Senior Associate, Specialist, Credit Approval, Risk Management Group

• Job Purpose
• - To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
• - To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
• - To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
• - Approve judiciously as and when DOA is granted
• Key Accountabilities :
• - To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
• - To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
• Job Duties and Responsibilities:
• - Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.
• - Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
• - Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
• - Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment.
• - Ensure compliance with the benchmark Turnaround Time
• Experience (Indicate nature and extent of work experience including number of years required, if applicable.)
• - 6 to 17 years of experience in Banking (preferably SME or credit department) / Credit Rating.
• Education:
• Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc.
• Core Competencies:
• - Good analytical skills
• - Good presentation skills
• - Good interpersonal skills
• - Good knowledge of industries/sectors
• Technical Competencies
• - Sound knowledge of financial statement analysis and accounting policies/practices.
• - Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
• - Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
• - Knowledge of corporate banking products
• - Knowledge of SME market and preferably should have had approval authority in his previous assignments.

Location:

Mumbai

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time