Senior Associate, Specialist, Credit Approval, Risk Management Group

Job description

**Job Purpose** - To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment. - To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL. - To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis - Approve judiciously as and when DOA is granted **Key Accountabilities :** - To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products. - To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations. **Job Duties and Requirements:** - Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed. - Portfolio monitoring / tracking & escalation of adverse new events in company / industry. - Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner. - Ensure meticulous compliance with Bank?s internal credit policy as well as regulatory guidelines for the SME segment. - Ensure compliance with the benchmark Turnaround Time **Experience** - 5 to 7 years of work experience in Banking (preferably SME or credit department) / Credit Rating. **Education:** Professional qualification or post graduate degree, preferably in business, accountancy, economics, finance etc. **Core Competencies:** - Good analytical skills - Good presentation skills - Good interpersonal skills - Good knowledge of industries/sectors **Technical Competencies** - Sound knowledge of financial statement analysis and accounting policies/practices. - Good knowledge of credit evaluation methods including surrogate means of credit evaluation (like bank statement/GST based evaluation), tools & techniques - Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general. - Knowledge of corporate banking products - Knowledge of SME market and preferably should have had approval authority in his previous assignments. **Location:** Mumbai **Job:** Risk Management **Schedule:** Regular **Employee Status:** Full time