Senior Credit Manager - Corporate

Senior Credit Manager - Large Corporate

- Analyzing the credit proposal for the Wholesale Segment in line with Bank's internal Credit risk policies guidelines and thorough credit analysis by way of :

- In-depth analysis of operational, business, financial and managerial Risks aspects.

- Analyzing of the borrowers Industry - Market and Demand Analysis of the Industry, industry structure, Porters factor, SWOT analysis etc.

- Technical & financial feasibility and due diligence study of the project.

- Comprehensive analysis of financial statements of a proposal.

- To keep track of borrowers interim financials.

- To meet the client on regular basis for getting an update on the company's performance.

- Ongoing monitoring and risk management of an assigned portfolio of credit clients and report the same to seniors.

- Candidate will be directly responsible for the good health of the assigned portfolio.

- To track external events impacting the borrower / industry and in case of any trigger of early warning signals then take appropriate action on exposure including escalation to senior management.

- Working on delinquent accounts and following up DPDs to avoid moving to EWS/Watch List category in the portfolio.

- To adhere to TAT for reviewing the credit proposal as defined and ensure that CAM output meet the bank's standard.

- To keep a track on exceptions particularly on the critical items such pending security perfection, covenant testing, pending documentation etc and escalate the issues if overdue for a long period.

- Responsible for ensuring compliance to internal and external policies / regulatory regime (for example RBI's guidelines on lending, provision etc.).