Senior Associate, Credit Approval, Risk Management Group

Job Purpose

• To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.
• To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
• To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis
• Approve judiciously as and when DOA is granted

Key Accountabilities :

• To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
• To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

 Job Duties and Requirements: 

1. Review of credit proposals originating from PAN India and 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

Experience

6 to 17 years of experience in Banking (preferably SME or credit department) / Credit Rating.

Education/Preferred Qualifications 

Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc. 

Core Competencies 

• Good analytical skills
• Good presentation skills
• Good interpersonal skills
• Good knowledge of industries/sectors 

Technical Competencies 

• Sound knowledge of financial statement analysis and accounting policies/practices.
• Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques
• Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general.
• Knowledge of corporate banking products
• Knowledge of SME market in West and preferably should have had approval authority in his previous assignments.

Work Relationship

Interaction and good working relationship with SME Relationship team and CCU. Other product teams (GTS, T&M etc), RBI inspectors, regulators, and other Vendors

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