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 robust 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 positive 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