Responsibilities:
Proposal Underwriting:
- Conduct detailed due diligence and evaluation of proposals.
- Analyze financial statements and models thoroughly.
- Assess business, industry, product, technology, management, infrastructure, and other risk factors.
- Forecast future financials and analyze repayment capabilities.
- Review legal matters or negative reports received during sanction/review and recommend risk views.
- Co-partner with business teams to manage end-to-end credit approval.
Policy & Compliance:
- Ensure adherence to policy and SOP; recommend deviations where required.
- Prepare credit notes, approvals/decline sign-offs for each proposal.
- Present recommendations to sanctioning authorities for approval.
- Ensure compliance with audit, RBI regulations, company policies, and processes.
- Track regulatory changes and assess impacts on portfolio.
Portfolio Management:
- Timely review and monitor portfolio.
- Identify Early Warning Signals and take steps to maintain NIL delinquencies.
- Engage in recovery activities and coordinate with multiple teams for legal matters.
- Conduct customer/project/site visits and maintain continuous engagement.
Stakeholder Coordination:
- Liaise with internal teams: Business, Risk & Compliance, Internal Audit, Operations, Legal.
- Coordinate with external agencies: Lenders, Legal Counsel, Engineers, Valuers, Title Search Advocates, Rating Agencies, Security Trustees, Auditors.
Operational & IT Support:
- Participate in IT/automation system implementation and process improvement initiatives.
- Maintain TAT for sanction/reviews/data requirements.
- Ensure timely submission of regular MIS, data updates, and adhoc data requests.
Team Management:
- Manage and train team members.
- Participate in in-principle and sanction committee meetings.
- Develop team capabilities through mentoring and training.
Industry & Market Knowledge:
- Maintain good understanding of industries/sectors, micro and macro environment, and regulatory landscape.
