Wholesale Credit - Credit Manager

• To assess, evaluate review and approve credit proposals as a first level officer for the Wholesale Banking relationships which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR
• Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams in line with the banks risk appetite
• Partner with business, CAD, Operations and compliance teams to help in meeting regulatory compliance with respect to credit dispensation and monitoring including end use.
• To convey a clear opinion regarding the acceptability of the proposed transaction/ facilities, from risk point of view, covering business model, industry risk, structure, financial risk & regulations
• Meet business counterparts on a defined periodicity (monthly or otherwise) for reviewing Early Warning Signals and Close Monitoring.
• Focused house-keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team.
• To partner with business, CAD and operations and compliance
• To help review end use monitoring on defined periodicity (to be covered on a quarterly basis).
• To address issues/ responding to RBI auditors on credit matters.
• Appropriate level of client calling to develop strong understanding of client business and industry dynamics

Preferred candidate profile

• Strong technical & analytical skills.
• Strong written and verbal communication & negotiating skills
• Expert knowledge in analyzing financial statements.
• Banking Product & Process Knowledge
• Understanding of accounting principles, banking & commercial laws and Regulatory Knowledge
• Excellent knowledge of competition & current trends in financial Industry.