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
Valuable communication (both verbal and written) skill in both English and the local language
Ability to handle pressure and meet deadlines