Senior Credit Manager (7-12 yrs)

- To assess/ recommend/decide the viability of credit lending proposals based on institutionalized processes and dynamic market information

- To decision proposals within delegated authority

- To undertake analysis of the credit proposals based on and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc

- Evaluate new credit proposals / review existing credit exposures

- To meet all clients above a certain threshold (for existing ones) on a regular basis, and meet all clients before disbursal in case of new proposals

- To undertake critical review of the credit proposals logged in with a view to especially bringing out the industry, business, financial, management and facility structure risk contained in the credit proposal.

- The role needs to bring out the collateral and other credit risk mitigation to take decision / facilitate the approving authority to take decision on the credit proposal.

- To engage with business teams in understanding the proposals submitted and extracting the relevant supporting information

- To suggest measures for ensuring workability of the loan proposals to the RMs, keeping risk in check like suggesting risk mitigation for the identified risks

- To ensure the ECL of the organization is under control

- To guide a team of junior credit analysts and also Business Analysts on the business side in ensuring faster TAT.

- To ensure efficient Turnaround time (TATs) for validating the proposals

- To ensure TAT within SLAs with analysis of the broad parameters for considering or not considering the given proposal

- To effectively deploy processes and mechanisms for ensuring high quality TATs for validating lending proposals & share the same with all concerned

- To liaise with the Regional/ Zonal Credit Heads and Zonal Sales Heads, RH and BH, credit committee and pricing committees for closing the approval process after validation from risk

- To ensure prompt resolution/ explanation of queries raised by sanctioning authorities

- To regularly provide inputs for new products, processes & credit lending norms

- To undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments

- To recommend new tools in the market that facilitate the monitoring processes

- To perform portfolio monitoring and analytics for effective risk monitoring

- To monitor the C&IB portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyze the covenants and evaluate industry performance in that sector

- To devise various analytical tools to measure the portfolio health from various angles and highlight 'early warning' signals

- To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations

- To review reports and analytics on repayment schedules, covenant monitoring, modification in terms and loan sanction

- Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the business teams and senior management.

- To formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category

- To work closely with the collection team and legal team to take action against defaulting parties

- To work towards skill enhancement and team building

- To guide junior teammates and business analysts for better customer acquisition & provide them best-in-class knowledge on selection norms, new ways of proposal analysis & new concept