Job Description
Key Result Areas
Supporting Actions
To assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision
To evaluate the proposal by doing financial analysis, assessing sustainability of the revenue and profitability numbers, review of auditor reports to check for any red flags, promoter background check, profile check, legal and technical aspects of the property proposed to be mortgaged, reading credit rating reports to understand the view of external credit rating agencies on the group company
To monitor the existing portfolio
To do regular monitoring of existing portfolio of accounts to assess the quality of the portfolio, identify any red flags, ensure compliance of sanction conditions and covenants stipulated in the sanction terms.
To ensure compliance with OTC, PDD, covenants stipulated in the Sanction letter
To keep oneself updated about any recent regulatory changes/ guidelines / notifications etc. to ensure that all the actions are timely taken to ensure effect of the above regulatory notifications / circulars are duly given to all the portfolio accounts
To prepare regular MIS
To prepare and keep updating MIS required by Risk and Business Head for regular monitoring of portfolio and quality checks
To engage and resolve audit queries
To engage with audit team and operations team and resolve any audit clarifications or data required by interacting with internal and external stakeholders
