Address- Independent Credit assessment of prospective Mid Corporates (annual revenues of upto Rs.500/1000 crs) for fund based exposure like Working Capital, Overdraft, Cash Credit, Term Loan etc. and non-fund based exposure like Letter of Credit, Bank Guarantee etc.
- Perusal of Branch proposal and spreadsheets received from Business team along with annual reports, credit rating rationale, equity research reports, industry research reports etc to arrive at an independent credit recommendation on acceptability of the proposal
- Preparation of Risk Advice note for submission to Segment Head highlighting key risks and mitigations as well as finalization of term sheet in consultation with Business Unit
- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.
- Monitoring of portfolio and tracking of early warning systems.
- Keeping up to date with RBI guidelines as well as Banks internal policies
- Participating in client meets, site visits. Interacting regularly with Credit Rating Agencies as well as external consultants such as stock auditors etc
- Providing timely inputs to Statutory and RBI auditors on respective portfolio accounts
