Head/AVP/VP/Director - Credit - Business Banking

Position : Credit Head/AVP/VP/Director - Business Banking

Function: Risk

Location: Mumbai

Job Description:

- Detailed Credit and Risk Analysis for Business Banking (T/O Less than 30 Cr; Ticket Size upto 15-20 Crs) clients - Understanding company's business model, detailed financial analysis, risk assessment and mitigation strategy, industry analysis

- Client meeting and site visit to understand business and promoters closely

- Detailed Analysis, decision making for funding a client and presentation of proposals / cases to the committee

- Close monitoring of accounts and take corrective steps, MIS maintenance to ensure timely review of accounts

- Maintain relationship with clients, understanding their need, suggesting relevant products, ensuring utilization of limits

- Handle all working capital products - Term Loan, Working Capital - CC, LC, BG, PC etc

- Ensures timely renewal of Credit approvals ensuring satisfactory turnaround time.

- Give Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies.

- Adhere to customer calling plan as per EW process

- Meet principals, other financiers regularly for market updates

- Team Management

- Contribute to achievement of corporate objectives by engendering a culture of continuous improvement