Cluster Manager - Underwriting (5-8 yrs)

Job Title: Senior Manager/Cluster Manager - Underwriting, Institutional Business

Department: Capital Markets

Responsibilities:

- An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management.

- Assessing loan applications for credit appraisal which includes financial analysis to understand the solvency, liquidity position and credit worthiness of individual and corporate customers.

- Assess income and various obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.

- Calculating eligibility basis portfolio as per BFL policy and doing risk check of customers. Preparation of detailed Credit Approval Memo for high value cases and getting it approved from respective approving authorities' basis BFL defined approval matrix.

- Adhering to all regulatory and statutory compliances & implementing operational risk controls related to transactions ensuring fair sanctions to corporates and non-corporates and timely processing of cases in given TAT.

- Monitoring the portfolio behavior of Portfolio and identify the early sign of stress and highlight it to the reporting manager. Policy preparation/review /updation at regular intervals Review and renewal of existing Portfolio.

- Regular tracking of progress on the agreed key metrics towards delivering on the strategy.

- Preparation of RPRs of the portfolio as when required.

- Providing timely inputs to Business team, COE, Compliance team, Finance team, IFC Audit team, Internal Audit team, RBI Audit. RBI Reporting of SMA-2 and large exposure. Monthly preparation of Deck.