Perform in‑depth reviews of credit applications for SME / Corporate customers.
Evaluate financial models, financial statements, borrower profiles, cash-flow summaries, borrower repayment capacity.
Validate internal credit ratings, risk grades, and credit structures for accuracy.
Conduct comprehensive reviews of loan accounts to assess account conduct, repayment trends, and compliance with sanctioned terms.
Analyze utilization patterns, covenant compliance, documentation completeness, and collateral sufficiency.
Support internal audit, regulatory inspections, remediation actions, and quality assurance exercises.
Prepare and maintain high‑quality credit review documentation that meets regulatory standards and Standard operating procedure.
Support periodic portfolio reviews and Onshore Relationship Manager in assessing creditworthiness using internal rating models and risk scoring tools.
Review and keep up to date, and fully abide by the process operational and administrative procedures and ensure process compliance
Review adherence to internal credit policies and underwriting standards.
Recommend improvements to credit frameworks, rating methodologies, and control processes.
Assist in developing checklists, review templates, and workflow enhancements.
Guide junior analysts in performing credit review analysis.
Allocate workloads, ensure timely completion of reviews, and maintain high-quality execution.
Conduct performance reviews, identify skill gaps, and build capability within the team.
Leads team in the achievement of project milestones and team goals
To oversee the day-to-day activities of a group of employees
Coaches, motivates and guides team members
Utilizes best practice processes around work assignments, Project management and quality of output while maximizing overall team's performance
To improve efficiency, quality and services of ongoing projects/processes
Significant portion of time still spent on performing work of the team
Regularly review the work of team members
Identifies opportunities for improvement; recommends possible training opportunities
Ensures team is meeting or exceeding contractual and service level obligations to customers
Collects customer's needs and translates to appropriate solutions
Interacts with customers and internal departments to resolve issues
Ensures accurate and timely processing of transactions to meet and exceed customer SLA
Acting as the Subject Matter Expert for the team
Conducting & leading the training programs based on business needs
Attending team meetings and customer calls to gather feedback and updates