Aditya Birla Financial Services - Team Member - Credit Risk

Underwriting and Recommending quality proposals :

- To underwrite the proposal as per the standard parameters

- Analyze Management Risk, Industry Risk, Business Risk and Financial Risk of the proposal

- Recommend quality proposals thereby ensuring good quality portfolio and minimal level of NPAs

To ensure efficient TAT for validating the Proposals :

- Ensure timely processing of proposals

- Ensure timely submission of proposals to Risk Team

- Coordinate with Credit Committee members for timely approval of proposals

Renewal / Enhancement of existing facility :

- Ensure that the renewal proposal is compliant with the stipulated conditions at the time of previous sanction

- Ensure timely submission of renewal proposal to the Credit Committee members

- Ensure timely renewal of proposal for continuous servicing to the client

- Continuous Monitoring of portfolio and assisting in completion of the audit

- Half yearly review of the borrowers account

- Regular updates on sectoral changes with help of external sources.

- To incorporate the findings of the audit and recommendations into the credit appraisal process as well as in the programme review