AVP Senior Manager Wholesale Credit Risk with Large Private Bank

Job Purpose

• To assess evaluate reviewand approvecredit proposals as a first level officer for theWholesale Bankingrelationshipswhich is referred to wholesale creditinvolvingvarious products likeTerm Loans Trade Finance CCODsand PSR
• Complete ownership of assigned portfolio of accounts including regular monitoring early warning identifications deferral tracking and working onappropriate accountstrategy in conjunction with Business teams in line with the banks risk appetite
• Partner with business CADOperationsand compliance teams to help in meeting regulatory compliance with respect to creditdispensationand monitoring including end use.

Job Responsibilities:

Appraisal of Proposal

• Review credit proposals (CAMs/ Interim CAMS) submitted by business on assigned set of accounts and assess the risk involved comprehensively.
• To convey a clear opinion regarding the feasibility of the proposed transaction/ proposed facilities from risk point of view covering business model industry risk structure financial risk& regulations
• Awareness of the product proposed and suitability to the client needs
• Emphasizing completeness/ accurate of CAMs & Coverage /Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines.

Portfolio Monitoring

• Ongoing monitoring of accounts including tracking developments in the industry andthe account toidentifystressearly and work with business in devisingappropriate mitigationstrategies and respond to early warning signals. Monitoringhas toenable advance detection before SMA / Rating downgrade /delays with any lender
• Toidentifyand closelymonitoraccounts which are in stressin order todevise and implement account strategyfor risk reduction
• Meet business counterpartson a defined periodicity (monthly or otherwise) for reviewing Early Warning Signals and Close Monitoring.
• Focusedhouse-keepingwhichinvolvesfollow up on clearingdeferrals/overdue/delays appearing in daily MIS circulated by Operations team.
• To partner with business CAD and operations and compliance
• To help review end use monitoring on defined periodicity (to be covered on a quarterly basis).
• To address issues/respondingtoRBI /auditors on credit matters.
• Appropriate level of client calling to develop strong understanding of client business and industry dynamics

TAT

• Maintaining the defined credit and End to End TATs so as to better service both internal as well as external customers.

Educational Qualifications: CA

Experience Required

• Experience of 4 yrs in credit risk management in wholesale banking from reputed financial house
• Exposure to banking preferable

Required Skills:

Credit managercredit riskcredit appraisalcredit analystunderwritercredit managementcredit assessment