AVP- Credit

Job Description

JOB PURPOSE:

This role is to contribute to the India Credit function in managing the local credit process, as well as the portfolio. The role holder will perform and/or supervise all tasks related to the credit process inclusive of qualitative and quantitive credit risk analysis, writing and presentation of credit proposals as well making appropriate credit recommendations. The role holder will ensure compliance with the credit policies and strategy guidelines. The role also involves supporting the CRO in the formulation and implementation of the credit portfolio strategy and / or other projects from time to time.

KEY ACCOUNTABILITIES:

• Proactively drive discussions with Product, Coverage Team, other internal stakeholders and clients with the aim to thoroughly understand the rationale and justifications for all credit requests.
• Ability to rope in and address relevant issues from diverse product and industry perspectives and articulate to relevant stakeholders.
• Provide feedback on structuring lending transactions in line with Group appetite.
• Analysing financials and ensuring annual reviews and credit packages are on schedule and as per the bank's policies.
• Developing independent assessments of the appropriate risk rating for the reviewed clients and recording analyses and conclusions with recommendation.
• To ensure that risk rating policy is properly implemented and risk rating acceptably reflects the risk profile of the credit.
• Monitoring credit trends in the branch's portfolio and reporting observations to the delegation holders.
• Conducting due diligence in an objective manner to ensure that all major aspects and risks of the credit have been addressed and assessed.
• To assist CRO in responding to queries raised by auditors (internal and external) on particular portfolios, past credits reviewed, policy matters, credit system questions, provisioning etc.
• Scrutinize credit files for completeness, consistency, and timeliness of information and highlighting exceptions for correction before the approval is sought from Credit Committee / CEC.
• Proactive monitoring of credits for early problem recognition.
• Meet clients to understand their business and industry, discuss specific transactions, seek general credit updates and formulate a credit opinion and strategy.
• To support the CRO in localisation of the Group Credit Policy and ensure the local country addendum covers all RBI requirements.
• Proactively identify propose remedial strategies for problem credits.
• Undertake ad-hoc projects or duties as assigned by Head of Department.

Qualifications

Knowledge & Experience:

• Post Graduate Degree in Management or Chartered Accountancy and / or equivalent disciplines
• Minimum 8-10 years experience preferably in first class international or major regional banks with a combination of credit analysis, preparation of credit application, risk/team/portfolio management, credit policy or frontline origination and credit approval process.
• Good understanding of the India market and landscape would be preferred

Skills:

• Proven financial analytical skills to identify and evaluate credit risks in large corporate transactions
• Demonstrated ability to understand and identify key risks/ mitigants at transactional, product & industry sector level
• Effective influencing skills to ensure proper structuring and deal approval across product and credit approval chains.
• Ability to work independently & is self-motivated

• Strong communication and interpersonal skills
• Commercial aptitude, good at MS Excel, financial modelling, cash flow projections
• Project management, problem solving and people skills
• Strong experience working across teams to deliver consistent outcomes
• Ability to manage one's own time effectively and to work under pressure and independently to meet
• deadlines.

Strong problem solving skills and ability to manage regulatory requirements.