Role : Credit Manager( Large/ Mid Corporates)

Job Purpose: Independently analying and evaluating the risk of proposed exposure to Bank's loan portfolio:

Functional responsibilities:

*Independently analyzes and evaluate the risk of adding a particular transaction to the bank's loan portfolio.

*Identify additional information requirements needed to properly assess risks of the transaction

*Understand and assess the customer's business model and its viability in the long run

*Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business

*Considers alternative credit structures to mitigate risk where appropriate

*Recommend action to be taken on credit, identifies key risks and information requirements

*Ensure that credit facilities presented are properly graded

*Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements

*Work independently with limited supervision. Serves as a resource for less experienced Credit Officers.

*Personally develop and maintain strong working relationships with Stakeholders

*Lead/ independently handle the business critical projects

*Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same

*Develop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholders

*Assume ownership of the allocated work.

 

Competencies required for the role:

*Financial Analysis: Ability to anlayse various financial statements to assess financial risk and credit worthiness of existing and new clients                                                   

*Risk Analysis: Ability to analyse various risks involved including but not limited to Management risk, Industry risk, forex risk, inventory risk, commodity risk etc and assilmilate information to form credit opinion                                                                                                                                                                                                       

*Problem solving ability: Ability to come up with solutions within availabel framework for the problems confronted                                                                             

*Team Player: Ablity to work in team in cohesive manner                                                                                                                                                                                       

*Ability to Adapt: Ablity to adapt with dynamic market/other aspects                                                                                                                                                                   

*Time Management: Ability to mange mutiple assignments at the same time                                                                                                                                  

*Communication skills: Ablity to communicate effectively with internal and external stakeholders                                                                                                                        

* Detail Oritented: An eye for the details, ability to assimilate available information effectively to form credit opinion                                                                            

 *Prior credit experience in Banks