Credit Manager/Senior Credit Manager - Corporate Banking

Our Client is one of the largest financial services company in India and is headquartered in Mumbai, Maharashtra.

Job Location - Mumbai

Job Purpose:

- To assess, evaluate and review credit proposals as a first level officer for the CBG/ ECG deals which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR

- Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business and Credit teams in line with the banks- risk appetite.

Job role - Credit Manager/ Sr. Credit Manager

Job Responsibilities:

1) Appraisal of Proposal:

- Review credit proposals (CAMs/ Interim CAMS) submitted by business on assigned set of accounts and assess the risk involved comprehensively.

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

2) Portfolio Monitoring

Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default.

3) TAT

Maintaining the defined credit and End to End TATs so as to better service both internal as well as external customers.

4) Collaboration with stakeholders

- To interact with the relationship managers pro-actively to assess the main risks and propose mitigates, at various stages of credit process.

- Suggesting policy changes or developments,

- Engaging with Credit Administration ( operations team ), Legal, Audit, Compliance, IT and other stakeholders as appropriate for all credit processes

Experience Required:

- Experience of 5+ years in credit risk management in wholesale banking from reputed financial house

- Exposure to banking preferable