AddressKey Responsibilities -
Credit Risk
- Independently evaluate lending opportunities across the capital structure (senior debt and mezzanine) across multiple sectors (except Real Estate)
- Interact with internal stake holders (deal team, legal, operations, senior management) and external stake holders (due diligence teams, promoters, external credit rating agencies, etc.)
- Undertake client unit / plant visit as part of pre-sanction due diligence exercise
- Assist in developing and enhancing proprietary in-house models for credit appraisal across sectors
- Present independent view on deals to senior management and deal sanctioning committee
- On-going monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts
- Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio taking into account diversification across various sectors, assets and sub-asset groups
Credit Structuring
- To work with deal team to suggest appropriate changes to the deal structure / covenants / terms & conditions in order to minimize risks
- Derive insights from portfolio analysis and incorporate the same in the underwriting standards for new deals
