1. Approvals for new loans	  - Credit and collateral risk assessment for new sanctions of term loans / Real estate lending and Margin Funding loans with exceptions to LAS policy or Cases with disbursal > Rs 5 cr  - Should analyze the stock by looking at the volumes, share holding, pledge status, analyst reports etc.  - Should be in touch with the other lenders in the market to understand the nature of deals floating in the market. This will also give a sense of operator driven deals  - Should talk to our analysts and IB team in respect of proposals of companies being covered by us and which will help form a sector view also  - Incase of a large funding account it is suggested that a client meeting should be done  - CIBIL /Worldcheck and google check to be done  - Build a robust credit rating and collateral rating score to have a scientific basis for risk based pricing of lending products  2. Monitoring of existing loans	  - Regular monitoring of milestones / cashflows in case of term loans / Real estate loans and regular interactions with business teams / clients for understanding progress / developments  - Monitoring of past dues and escalation to business teams for recoveries  - Early warnings for loans that are showing signs of stress  - Regular interactions with market risk team to get risk cover reports and identifying cases where there is collateral shortfall / high stock concentration  - Regular monitoring of pricing to identify cases where yields are lower than commitments made by business at time of sanction  3. Business intelligence	  - Build business case for new lending products within the risk appetite defined by the Group  - Build network in the industry to understand developments within existing product lines  - Build strong market intelligence   4. Systems and processes	  - Should monitor the interest calculation for non-funding clients, follow up for interest and address the servicing related activities for the non-funding clients  - A proper set of documents should be maintained for the non-funding clients  - The inflow / outflow date of the funds should be monitored and timely information of the same should be provided to the finance team.   - Update of interest and ledgers should be provided to the accounts team  - Lending MIS should be prepared on a weekly/fortnightly basis for circulation to the management  - Ensuring of LAS compliance in respect of the proposals and compliances of the NBFC guidelines in respect of loans  - Reviewing of LAS policy on a periodic basis and intimating changes in the same

Mumbai

Motilal Oswal - Manager - Credit Risk 

Motilal Oswal - Manager - Credit Risk  ,Job Description for Motilal Oswal - Manager - Credit Risk  in Motilal Oswal in  Mumbai for (4-6) years of experience. Apply Now!

Job Description for Motilal Oswal - Manager - Credit Risk  in Motilal Oswal in  Mumbai for (4-6) years of experience. Apply Now!