Credit Manager - Capital Markets - Bank

- Credit Monitoring for Capital market clients

- Review credit proposals submitted by the Business and assess the risk involved comprehensively.

- Track assigned industries on a continuous basis and circulate quarterly industry reports.

- Maintain MIS on the portfolio assigned for internal presentation.

- Approving the credit proposals basis the authority assigned and proposing cases for approvals to Head of Credit which are over and above the approval limit

- To interact with the Relationship Managers pro-actively to assess the main risks and propose mitigants, at the deal initiation stage.

- To appraise financial spreadsheets and projections.

- Excellent industry understanding for the portfolio assigned

- To convey a clear opinion regarding the feasibility of the proposed transaction, from a risk point of view covering business model, industry risk, structure and financial risk.

- Approval / recommendation of credit limits and transactions

- For existing clients, to conduct ongoing monitoring. Conduct periodic company and plant visits in coordination with the responsible RM.

- Monitoring of existing project loans / large term loans, involving inputs on industry, financial and business risk, management and transparency, peer analysis and financial analysis and reviews of quarterly project reports

- Conduct a periodic portfolio and concentration analysis, stress testing and suggest suitable corrective actions.

- Provide effective and robust MIS reports for the Management to enable the management to effectively assess, measure, monitor and mitigate risk in Credit operations

- Any other assignments depending on the needs of the organization.

Job Requirements :

- Post graduate qualification in Management / Chartered Accountancy

- Minimum 2 to 6 years post-qualification experience in a Credit role in capital market Or Financial Institutions group

- Candidate needs to have thorough knowledge of financials

- Should possess very good analytical skills