AddressJob Purpose :
- The candidate shall make credit appraisal of corporate borrowers from asset lending perspective and recommend new as well as existing relationships for approval.
- Role shall also involve portfolio monitoring interacting and coordinating with the business units, Internal stakeholders (legal/compliance/trade/internal audit/product team) and external Stakeholders (Banks / Rating Agencies) for existing and prospective relationships.
- Keeping the unit abreast of the current industry updates, Peer group update and competition updates.
Roles & Responsibilities :
- Facilitate regular asset quality reviews with analytical insights to identify risks/ opportunities and recommend relevant actions.
- Appraise and evaluate clients creditworthiness for onboarding asset relationship in accordance with bank policies and regulatory framework.
- Review, recommend or reject loan requests, based on credibility and potential revenues and losses.
- Negotiate loan terms with borrowers to mitigate credit risk.
- Ensure credit policies and risk appetite criteria are adhered regularly
- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
- Capture and share best- practice knowledge amongst the team.
