Job Duties :

The role entails supporting the Impaired Asset Management groups of global banks, in handling a portfolio of high-risk loans across different customer segments

- Periodic monitoring of high-risk loan exposures by preparing comprehensive credit reports analysing debtor's/guarantor's business and/or financial capacity to generate cash for debt repayment

- Compute expected credit losses (ECL) and perform impairment analysis using regulatory guidelines (IFRS) for loans with default risk ratings

- Validate loan documents and data in existing credit monitoring systems

- Conduct day-to-day management, loss estimation, and collateral coverage analysis

- Formulate and recommend resolution strategies to restructure/recover existing loans or exit high-risk loans

- Managing exit accounts, including dealing with customers, legal counsel and bankruptcy firms

- Regular interaction with internal teams to discuss credit reports, loan performance metrics as well as workflow

- Generate MIS, business insights and highlight portfolio hotspots by deploying available data and applying statistical tools/techniques

- Engage with client teams proactively and suggest new ideas to improve quality, enhance client engagement and drive process efficiency through automation and standardisation

Required skills:

- 3+ years of experience in assessing credit risk, associated with commercial banking products and credit administration (relevant loan workouts / loan recovery experience.



- Wholesale/commercial banking experience, including lending, loan structuring, credit administration, regulatory compliance and related systems experience, or equivalent.

- Experience in impaired/stressed asset management

- Knowledge of high risk loan monitoring includes impairment process as per regulatory guidelines (IFRS 9), restructuring, repayment and resolution strategies

- Understanding of accounting and credit risk concepts

Preferred Skills :

- Experience of working in a global bank set-up

- Capability & flexibility to switch roles within Wholesale Credit Risk in various functions

- Well-developed communication, negotiation and influencing skills

- Striking a balance between stringent credit standards & competitive market pressures while completing tasks and if needed, taking credit calls

- Knowledge of applicable laws/regulations related to business loans, bankruptcy, securities, etc.

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