Assistant Relationship Manager - Corporate Banking

JD - Assistant Relationship Manager

Customer Origination:

- Understanding client requirements, financial documents and other necessary data for due diligence and analysis.

- Offering appropriate products as per customer needs and providing customer centric credit solutions by product structuring and suitability.

- Prepare and obtain credit pre-clearances, preparing credit analysis reports and applications for credit approval.

- Analyzing data from annual reports, projections etc. and sensitizing financial models, stress test, sensitivity analysis.

- Research and assimilation of market/sector information relating to the customer and its industry.

- Risk identification and mitigation.

- Compliance with all internal credit policies and procedures, regulatory compliance, reporting requirements etc.

- Coordinate and prepare for credit meetings.

- Liaise with ICBC HO/other stakeholders for credit limit approval/allocation.

- Post sanction monitoring

- Monitor quality of the portfolio by tracking Excess/ past dues, or unpaid due, strictly complying with processes in default cases.

- Ensure timely submission of quality quarterly credit/ performance reports.

- Review reports from various tools - like fraud risk analytics, credit analytics, etc.

- Monitor risk triggers, covenants and other credit conditions and report appropriately.

- Ensure zero over dues.

- Liaise with Credit on credit assessment and other credit issues and ensure quick turnaround on queries.

- Proper maintenance of customer files and ensuring audit ready at any time.

- Attend portfolio calls along with the RMs.

- In partnership with the relationship manager, ensure timely identification of accounts to be put in close watch situation as per the Bank's policies and procedures.

- Work with RM on account management with stressed asset.

- Embed usage of credit risk analytics and credit analytics framework.

- Ensure portfolio is maintained with high quality both from credit risk and hygiene perspective.

- Ensure fast turn around on deals and no slippages / impairments.

Others:

- Prepare timely Stress Tests wherever required.

- Prepare specific industry study.

- Prepare credit opinion reports wherever required.

- Be prepared to do any other activity which might be required from job perspective.

- Present portfolio analysis and reports.

- Present case studies and training with respect to credit processes.

Requirement:

Education: Chartered Accountant/ MBA -Finance preferred

- Minimum Experience of 5 years in Credit.

- Both oral and written in a clear and concise manner as job involves proposal writing and presenting to various stakeholders.

- Good knowledge in macro economics as well as of different sectors/industries.

- Familiar with local lending regulation (both on Rupee and Foreign currency).

- Hands-on experience in handling Rupee and Foreign Currency transaction a must.

- Prior experience in handling corporate finance/project finance/ advisory roles would be preferred.

- Immediate joiner will be preferred..