Senior Associate, Specialist, 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:

• Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.
• Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
• 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.
• Ensure meticulous compliance with Bank?s internal credit policy as well as regulatory guidelines for the SME segment.
• Ensure compliance with the benchmark Turnaround Time

Experience

• 5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating.

Education:

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 and preferably should have had approval authority in his previous assignments.

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