SREI - Zonal Manager - Strategic Credit - Proposal Sanction Management Process

Job Objective:

- This role would be responsible for handling the - Proposal Sanction Management Process - for Strategic business by conducting all the necessary activities to identify, assess and control Credit Risk

- Major deliverable would be to maintain a healthy portfolio for Strategic business with minimum delinquency

Business Outcome:

- Ensure underwriting of credit proposals for Strategic business cases as per the approved DOA, maintain TAT and quality of portfolio

- Ensure quality of appraisal for Strategic business within the set parameters of Non Starters (Early Delinquency)

- Take responsibility managing Portfolio by analysing the health of the portfolio on a regular basis on various risk parameters

- Highlight observations on the health of the portfolio with business team and develop mitigation plans to control risks

- Take responsibility for communicating the status of the proposal as per the decision taken either by self or committees on approval/rejection of the proposal based on the DOA

Risk, Process & Compliance:

- Prepare and present portfolio behaviour and progress reports to business on a an ongoing basis, highlighting key risk issues and health of portfolio

- Ensure sample quality checks of all proposals covering all level cases, products and segments to monitor the health of the portfolio and highlight to business in case of any observations

- Ensure development of systems and processes in collaboration with the IT team for TAT reduction of Strategic business credit underwriting and generation of reports for quality appraisal

Candidate profile:

Qualification: CA / MBA (Finance)

Experience: 4-6 years in Credit Appraisals for high value lending

Knowledge: Understanding of Construction & Mining Equipment Finance business