Description
Independently analyzing and evaluating the risk of proposed exposure to Bank's loan portfolio

Responsibilities
- Independently analyses and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
- Identify additional information requirements needed to properly assess risks of the transaction
- Understand and assess the customer's business model and its viability in the long run
- Review and analyse the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business
- Considers alternative credit structures to mitigate risk where appropriate
- Recommend action to be taken on credit, identifies key risks and information requirements
- Ensure that credit facilities presented are properly graded
- Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements
- Work independently with limited supervision. Serves as a resource for less experienced Credit Officers.




- Personally develop and maintain strong working relationships with Stakeholders
- Lead/ independently handle the business critical projects
- Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same
- Develop critical thinking, gain current insights and thinking out of the box to improve on the delivery of services to our stakeholders
- Assume ownership of the allocated work.
- Having good understanding of underwriting big ticket cases in Mid Corporate & NBFC segments.
- Should have underwritten deals with minimum exposure of 200 crs.
- Knowledge and understanding towards structured deals, acquisition finance, project finance.
- Ability of comprehend and fine tune financial models in case of project finance deals

Qualifications

Qualifications: CA/ MBA Finance
Experience: 7 to 10 years

📌 Sr. Credit Manager (Mumbai)
🏢 CSB Bank
📍 Mumbai