HDFC Bank - Wholesale Credit Manager

HDFC bank is hiring for Wholesale Credit Vertical - Credit Manager role.

Candidates with experience in Wholesale credit - Real Estate, Construction Finance, Large Corporates, Project Finance are preferred.

Roles and Responsibilities :

- To assess, evaluate and review credit proposals as a first level officer for the deals which is referred to wholesale credit

- 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

- 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

- Awareness of the product proposed and suitability to the client needs

- Maintaining Complete / accurate CAM's / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines

- 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

- Focused house keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team.

- Appropriate level of client calling to develop strong understanding of client business and industry dynamics

CA/MBA is mandatory qualification.