Manager - Credit Risk - SME Segment - Banking

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

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

3) To actively evaluate lending proposals for Working capital customers of northern 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

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

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

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

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