Credit Manager - Bank

Looking for Credit Manager for a foreign sector bank having experience in handling credit risk monitoring and assessment.

Location- Mumbai

BASIC RESPONSIBILITIES

CREDIT ASSESSMENT :

a) Strong Credit assessment - Ensure adequate review and research of all project proposals to ensure and maintain minimum risk exposure. Suggest structures to mitigate credit risk.

b) Facilitating prompt disbursement and maintaining optimum tickets sizes for loans

c) Assessment of cases for maintaining credit quality in line with credit policies

d) Evaluation of Security cover to sufficiently cover Banks Exposure

e) Monitoring of the unsecured portfolio and sectoral caps as defined in credit policy

f) Liasoning with Business and Compliance for exchange of Credit Information Report with the Bankers with whom companies shares exposures.

CREDIT MONITORING :

a) Continuously monitor in achieving the various priority sector targets.

b) Ensure high quality of portfolio. Proactive monitoring of industry and individuals credits in the portfolio. Regular review of each portfolio and assess ongoing credit risk - timely reporting to the management

c) Proactively identify early warning list on ongoing basis and report to the management on watch list/ exit cases

d) Ensure all terms and conditions stipulated are being followed

e) Covenant testing and proactive measures to control credit quality

f) No overdues

PORTFOLIO DIVERSIFICATION :

- Ensure a prudent level of portfolio diversification .Avoid lumpy exposure.

EXIT & RECOVERY OF NPA :

a) Monitory and recommending exit process in case of Non- creation of security/ deterioration of Financials/ Covenant testing failure.

b) Suggest restructuring of the credit portfolio and recommending measures to ensure recovery

REGULATORY COMPLIANCES & REPORTING :

- Compliance to regulatory reporting and MIS to HO.

Experience: 4 - 10 years in Banking

Qualification: Mcom / Bcom/ MBA/ CA

Manjusha. N
Team People Tree