Job Purpose:

• To analyze credit proposals for large corporate customers to determine if it is within the risk appetite of the bank and complying with the banks internal policies and CBO guidelines.
• To review the credit risk policies of the bank from time to time and make amendments as necessary.
• To monitor the portfolio for signs of stress and suggest corrective action.

Key Tasks and Duties:

• Undertake duties ensuring adequate risk controls and compliancy by performing the following:
• Risk strategy & policies: Provide inputs relating to introduction of policies and procedures to improve existing policies and procedures in order to meet the requirements of the business
• Monitor external environment and industry trends for critical analysis on the credit portfolio of the bank. Prescribe Industry benchmarks for credit exposures.
• Ensure compliance with Central Bank and internal policy parameters
• Undertake a periodic review of the Credit Approval procedures
• Asset Quality: Assess corporate proposals Through CLOS (including overseas branches), Bank & Country limits proposed by the concerned business generating division in order to meet budget targets. Ensure credit risks are highlighted and suggest covenants / transaction structures to mitigate the risks and ensure that only credit proposals of quality are recommended.
• Monitor and check daily excess reports in order to ensure proper approvals are in place.
• Attend early warning meeting every week with the Business Units to improve the quality of the asset.
• Assist Unit-Head, Corporate Credit and Divisional Head Corporate Credit Risk in monitoring the Corporate Banking portfolio.
• Coordinate with CBO examiners during annual CBO examination as directed by Divisional Head.
• Enhance quality of restructure proposals and align them with industry norms. We would seek external consultancy in complicated restructured proposals
• Manage concentration risk with portfolio updates to the business
• Close monitoring of overridden Stage 1 accounts and Expat portfolio
• Gradually increase share of secured lending (Low ECL)
• Work closely with AQM group
• Crosstrain staff in multiple domains to ensure skill upgrade takes place on the job and also it builds redundancies within the team

Qualifications:

A bachelor's in finance, banking or related discipline. An MBA or a professional qualification would be advantageous.

Experience:

Minimum 8 years of experience in corporate credit Risk Management.