Manager - Wholesale Banking

Manager, Wholesale Banking

The main purpose of this role is to contribute towards building and maintaining a sound quality asset portfolio and a conservative credit culture while ensuring that the credit recommendation process remains responsive to the needs.

The jobholder shall have the following responsibilities :

- Evaluation & appraisal of credit applications / Enterprise Valuations within specified thresholds for Wholesale Banking businesses (CMB / GBM) in the United States ensuring adherence to appropriate credit standards in line with Risk policy & guidelines

- Deliver a high quality output within SLAs

- Strict adherence and maintenance of appropriate credit standards in the recommendation / approval and control of lending

- Participate in maintaining a stable lending portfolio within Group and Wholesale Banking policy objectives

- Adherence to operating procedures in line with the core tasks and responsibilities

- Assist AVP with onshore WMR liaison and respective business area on quality and volume of workflow

- Participate in increasing employee engagement

- Participate in the CoE & local SD management activities

Principal Accountabilities : Key activities and decision making areas Typical KPIs and Targets

Impact on the Business :

- Assesses credit proposals submitted / Enterprise Valuations required, undertaking appropriate analysis and making final recommendations up to the appropriate and agreed thresholds, on the basis of professional credit judgment and in accordance with Bank Lending Policies. Timely delivery of well-balanced recommendations / assessments, delivered with professionalism

- Researches, recommends and assists in the implementation of credit management techniques

- Contribute to the achievement of the operating plan with respect to revenue, impairment charges, risk measures and RWA impact

Customers / Stakeholders :

- Deliver best in class service levels to customers and meeting SLAs

- Assist AVP and VP with maintaining strong working relationships with the respective Business Areas and onshore Risk Department through efficient use of the available communication tools and effective networking via regular VCs / phone calls, buddy meetings, business area visits etc

Leadership & Teamwork :

- Help keep the team motivated and responsive to the needs of the organization

- Work effectively within a small team and provide active engagement with colleagues / employees

- Support an environment that supports diversity and reflects the brand

- Demonstrate ownership of the credit proposals submitted / Enterprise Valuations required

Operational Effectiveness & Control :

- Ensure adherence to the Bank's credit policies and guidelines

- Seek appropriate opportunities to add value and undertake additional tasks and project work as appropriate

- Actively contribute to the decision making process of the Offshore WMR and GSC management

- Be aware of and able to effectively identify and manage applicable money laundering, terrorist financing, sanctions and reputational risks

- Complete other responsibilities, as appropriate

Major Challenges (The challenges inherent in the role that require a continual test of the role holder's abilities) :

- Bridging the Offshore Onshore distance in order to have seamless communication & coordination into various day to day activities and ensuring consistency in deliverables / output

- Keeping abreast with knowledge & updates on various policies, directives, guidelines and most importantly pulse on the ground at the respective onshore geography / site / regulations. In addition, staying abreast of current trends and cycles affecting credit decisions

- Keeping track of and ensuring alignment with the business, market, politics, social, and cultural developments. To be confident with output and stand firm despite pressure to change opinion, without being inflexible, as on occasion may need to compromise position

- Identifying credit risk in complex credit proposals frequently involving highly structured transactions and borrowers with intricate financial arrangements

- Evaluating complex facility structures and types across a broad range of credit activities

- Recognising business needs to accommodate selective growth and revenues, yet maintain acceptable and prudent credit standards

- Encouraging appropriate risk reward characteristics on all transactions

- Understanding lending parameters across a wide range of disciplines and taking decisive action based upon experience and training

Role Context (The environment and operating conditions of the role including the extent of guidance and authority) :

- At all times, credit standards, as issued by CPM, Lending Guidelines and Risk Appetite Manual, WMR Risk FIM, and various other circulars / communications issued from time to time must be followed

- In fulfilling these objectives, there is a need to provide guidance, as required, to colleagues and Relationship Managers

- In summary, the prime objective is to undertake the identification, evaluation and assessment of credit proposals / Enterprise Valuations which may include asking questions of the Relationship Managers and those within the Business, referencing and analyzing external data and internal trends concluding in an independent credit recommendation. This will include ensuring that transaction risks, repayment capacity, performance trends, leverage and liquidity risks are identified and understood and that the credit structure is appropriate and adequately protects the Company from undue risk

Location : Kolkota and Hyderbad