IDFC Bank - Credit Manager - Commercial Banking Risk

Experience: 9 -12 years

Location: Hyderabad

Job Description :

Detailed Credit and Risk Analysis for Mid Markets & SME clients Understanding companys 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 utilisation of limits

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

Ensures timely renewal of Credit approvals ensuring satisfactory turn around 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

An Ideal Candidate should possess:

Adequate technical knowledge to understand the products dealt by Bank, its risk parameters, valuations, inherent Risk in the product.

Adequate knowledge to analyse risk in existing and new products proposed, and provide appropriate analysis for management decision making.

Ability to understand Business requirements and should be able to process the requirements within reasonable timelines.

Educational Qualifications:

CA/MBA from premier institute