AVP - Credit Approval - SME Segment - Bank

1. To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for Southern region.

2. To assist the Credit Approvers in establishing credit controls and procedures for SME branches in Southern region and also help the Business Lines grow, such that the business runs seamlessly, within target NPL.

3. To actively evaluate lending proposals for IBG 4 customers of Southern region including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible.

4. Approve judiciously as and when DOA is granted.

Key Accountabilities :

1. To use credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in SME segment.

2. To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.

3. To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

4. To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.

Job Duties and Responsibilities :

1. Review of credit proposals originating from Southern region to highlight info gaps, key risk issues not adequately addressed

2. Portfolio monitoring / tracking & escalation of adverse new events in company / industry.

3. 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.

4. Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines for the SME segment.

5. Ensure compliance with the benchmark Turnaround Time.