Manager Credit Transaction Management (Large Multinational Bank)

Responsibilities

Direct Responsibilities.

1. Performing functions include the following for corporate clients of allotted branches.

• Checking of Facility letter and security documents.
• Efficient & effective document customization with due liaising with internal & external stakeholders including clients.
• Manage & comply with requests for waiver &/or deviation to standard template.
• Creation of charges with respective Regulatory authority.
• Due diligence and conformity check after document execution by client.
• Supervise timeliness & accuracy on document execution.
• Ensure loans are properly collateralized as per approvals.
• Limitation Monitoring & Covenant Monitoring & tracking.
• Collateral monitoring and tracking
• Issuing conformity notice post ensuring all preconditions for limit loading are met
• Monitoring of Early Warning signals/irregularities and excesses in the portfolios in close liaison with Relationship and Risk Teams.
• Monitoring of Early Termination Options.
• Loading and Authorization of Facilities/limits.
• Past Due file review monitoring and monitoring of overdue Commitments.
• Monitoring of Credit Proposals and overview of Watch list portfolio.
• Preparation and Compilation of various reports.
• Handling RBI Inspection and Audit requirements and queries in relation to credits.
• Member of Functions Committee coordinating with Operations team for overview on Operational workflow and streamlining.
• Managing business and credit risk to ensure there are no escalations

2. Loan administration

• Safe keeping of credit documents by branches.
• Effective checks on procuring periodic credit security information from clients viz. stock & book debt statements insurance policies stock & security audit etc.
• Follow up security from the clients.
• Manage and co-ordinate inspections & audits.
• Carry out functions which have been delegated by management.
• Ensure accurate and timely resolutions.
• Direct and manage reporting requirements for the department.
• Supporting/ managing any other projects/ activities as directed by Management from time to time.

Technical & Behavioral Competencies

Technical:

• Expertise in credit documentation is critical.
• Excellent understanding of corporate banking products.
• Good understanding of banking process & practice Legal and Regulatory framework.
• Working Knowledge of other applicable systems within the bank.

Behavioral:

• Good communication & presentation skills.
• Good interpersonal skills with ability to work effectively in a matrix environment.
• Team player with client-oriented mindset.
• Ability to act decisively and manage multiple priorities effectively.
• Ability to multi-task on job whilst ensuring efficiency.
• Eye for detail

Specific Qualifications

• Graduate / Post-graduate / CA / MBA in Finance with min 5 years of banking experience in Credit administration of Corporate Banking.
• Good Knowledge of RBI regulation with respect to credit monitoring and loan services & experience in handling auditors.

Education Level: Bachelors degreeor equivalent (3 years)

Experience Level At least 5 years

Required Skills:

Credit MonitoringCredit DocumentationCAD