Role Overview: To undertake comprehensive credit analysis and evaluation of Infra and Project lending proposals.
Key Responsibilities:
- To undertake a comprehensive study into the credit worthiness of applications for Infrastructure lending, cross verify the credit records of borrowers/guarantors & undertake critical analysis of risks (market, credit, interest, exchange & legal) associated with the application.
- To ratify appraisal reports received from the credit teams of business groups for each application with internal credit ratings & evaluate recommendations received in support of lending decisions.
- To ensure efficient turnaround time for validating the proposals and preparing the risk notes.
- To get information about the borrower and the proposal from various networks and suitably use them in the proposal evaluation.
- To monitor the compliance of internal and regulatory guidelines, companies act, income tax act etc.
- To have risk awareness about macro and sectoral issues related to infra financing.
- To constantly evaluate the competitive norms in Banks and Leading NBFCs for Risk metrics and allowances and deploy the best practices in the organization.
- To perform portfolio monitoring and analytics for effective risk monitoring & formulate compliance processes for new and existing business.
- To monitor the infrastructure lending portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyse the covenants and evaluate industry performance in that sector.
- To devise various analytical tools to measure the portfolio health from various angles and highlight early warning signals.
- To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations.
- To regularly upgrade credit procedures & ensure their compliance with internal & external rules of lending.
- To manage a robust documentation mechanism for business proposals & develop MIS reporting for areas under risk management.
- To maintain the credit committee notes, risk notes, final copy of credit arrangement letters.
- To maintain accurate reports & analysis of portfolio risk variances & trends for the Infra lending portfolio.
Key Requirements:
- Experience: 5 to 8 years of experience
- Educational Qualification: MBA/CA
- Working knowledge of infrastructure finance
- Sound knowledge and understanding of infrastructure sectors
- Sound knowledge of financial statements, ratios and related analysis
- Self-motivated and customer oriented
- Sound problem solving and decision-making skills
- Good communications and interpersonal skills
