- Review of credit proposals ensuring adherence to the credit policy of the bank and other external and internal guidelines
- Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
- Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
- Appraise the sanctioning authority on all the strengths and weaknesses of the proposal and all the critical information and insights required for decision making.
- Monitor the accounts to ensure maintenance of a healthy portfolio. Regular site visits and promoter level interactions for better portfolio monitoring.
- Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
Qualifications
Optimal qualification for success on the job is:
- Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
- Experience in assessing credit of Corporate clients
Role Proficiencies:
For successful execution of the job, the candidate should possess:
- Knowledge of credit, industry and product trends
- Knowledge of regulatory guidelines and norms
- Good communication (both verbal and written) skill in both English and the local language
- Ability to handle pressure and meet deadlines
