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Summary of Role
Creation and growth of client relationship through quality credit analysis and performance monitoring. Providing industry and financial inputs to the bank's credit and sales process.
Origination -
1) Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
2) Work with RM/product partners in structuring credit solutions for the clients and ensuring appropriateness of the products.
3) Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.
4) Responsible for end-to-end credit approval process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
5) Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
6) Liaise with GAM Credit for limit approval/allocation.
7) Seek necessary approvals for excesses in the account.
Post Deal Monitoring -
1) Monitor quality of the portfolio by tracking Excess/past dues, EAR processes.
2) Ensure timely submission of Quarterly Credit Reports
3) Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
4) Ensure Zero BCA over dues.
5) Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
6) Proper maintenance of Credit files and always being Audit Ready
7) In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines
Others -
1) prepare timely Stress Tests wherever required
2) Prepare specific industry study
3) Effective use of creditmate / CRM
Preferrably Chartered Accountant / MBA Finance |
