Credit Risk Manager Corporate Banking Full Time

Job Purpose

To assess, evaluate review and approve credit proposals as a first level officer for the Wholesale Banking relationships which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR
Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams in line with the banks risk appetite
Partner with business, CAD, Operations and compliance teams to help in meeting regulatory compliance with respect to credit dispensation and monitoring including end use.

Appraisal of Proposal:
Review credit proposals (CAMs/ Interim CAMS) submitted by the business on the assigned set of accounts and assess the risk involved comprehensively.
To convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, financial risk
Awareness of the product proposed and suitability to the client needs
Maintaining Complete/accurate CAM’s / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines.

Portfolio Monitoring
Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default
Focused housekeeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team.
To identify and closely monitor accounts which are in stress, in order to devise and implement account strategy.
The appropriate level of the client calling to develop a strong understanding of client business and industry dynamics.

TAT
Maintaining the defined Credit and End to End TATs so as to timely service internal as well as external customers.

Educational Qualifications :
MBA/CA/FRM/CFA

Experience Required
Experience of 5+ years in credit risk management in wholesale banking from reputed financial house
Exposure to banking preferable

Key Skills
Strong technical & analytical skills.
Strong written and verbal communication & negotiating skills
Expert knowledge in analyzing financial statements.
Banking Product & Process Knowledge
Understanding of accounting principles, banking & commercial laws and Regulatory Knowledge
Excellent knowledge of competition & current trends in financial Industry .

Tagged as: appraisal, asset management, banking, banking relationships, cash management, commercial laws, corporate banking, credit policy, credit risk, credit risk management, early warning, environmental impact assessment, financial justification, MIS, mitigation strategies, regulatory compliance, risk management, trade finance, verbal communication, wholesale banking