HDFC Bank - Team Leader - SME Wholesale Credit - CA

Team Leader-SME Credit-LT- Wholesale Credit-SME

Experience in managing large value SME/ ECG cases

Educational Qualifications: Chartered Accountant

Job Responsibilities:

- Enrolling, training and managing a network of CPAs for front end credit processes on competitive TATs including managing the proposal flow, Stock Audit completions & Regularity in payment

- Area Credit responsibility for ensuring the incremental portfolio build up without diluting the credit quality & adhering to all necessary underwriting standards per the credit policy, identifying the current industrial trends, effects of the economic factors, specific Company characteristics which are to be monitored.

- Summarize the risks and mitigants of an account & document the aspects of the customer that needs to be monitored (specific to that business) on an ongoing basis & co-ordinating with the Early Warning team to identify the Early Warning Signals & provide the required inputs necessary.

- Watchlisted and Exit accounts are followed in tandem with Early Warning team where consensus decision is arrived at for the course of action to be followed, cases divided as soft follow ups - where churning issues, or stringent follow ups- Non adherence to covenants, Regular TODs, Month end interest debits .