Key Result Areas

Supporting Actions

Credit Underwriting Management
Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc.
Make decision proposals within delegated authority
Evaluate new credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk.
Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal.
Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals
Ensure prompt resolution/ explanation of queries raised by sanctioning authorities
Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals.
Work closely with the collection and legal to take action against defaulting parties
Portfolio Management
To monitor the STSL business portfolio performance by continuous analysis of fundamentals,



review of the ratings, analysis of the covenant and evaluation of the industry performance in that sector
Review the covenant of loan proposals at frequent intervals and undertake action for reliable deviations
Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers, RSMs, NSMs and Senior Management.
Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category
Process Improvements
Provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Processes keeping the current regulatory and compliance environment in mind
Undertake improvements in approval notes and other processes to meet dynamic market environment and

📌 Circle Credit Manager (India)
🏢 Aditya Birla Capital
📍 India