About this role
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.
Location: Mumbai Job: Risk Management Schedule: Regular Employee Status: Full time