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Job Responsibilities(JR) : 6 – 8 Areas
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Actionable (4-6)
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- Review credit proposals (CAMs/ Interim CAMS) submitted by business on assigned set of accounts and assess the risk involved comprehensively.
- To convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, financial risk
- Awareness of the product proposed and suitability to the client needs
- Maintaining Complete / accurate CAM's / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines
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- Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default
- Focused house keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team.
- To identify and closely monitor accounts which are in stress, in order to devise and implement account strategy
- Appropriate level of client calling to develop strong understanding of client business and industry dynamics
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- Maintaining the defined credit and End to End TATs so as to better service both internal as well as external customers.
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- Thinking, evolving and making significant changes in the processes, techniques, methods so as to save time, energy and money.
- Any other assignments depending on the needs of the organization
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- Collaboration with stakeholders
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- To interact with the relationship managers pro-actively to assess the main risks and propose mitigants, at various stages of credit process.
- Suggesting policy changes or developments,
- Engaging with Credit Administration ( operations team ), Legal, Audit, Compliance, IT and other stakeholders as appropriate for all credit processes
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