Manager - Credit - SME/Mid Corporate/Large Corporate - Banking

Wholesale Credit Role - Risk Identification/Credit Review/Corporate Credit - SME/Mid Corp/Large Corp
We are looking for Manager Credit for Hyderabad & Kolkata location.

Role Description

The role holder will have to conduct credit reviews of various counterparties within the allocated region (including Banking, CMB, and Financial Institutions Group), identify policy breaches or potential/emerging risks and make suitable recommendations for remedial action to protect the lending position and minimize potential credit losses. They will work closely with the Team Head to ensure that deliverable targets are met for the team in a timely manner with a focus on quality.

The following are the broad responsibilities:-

- Analysis of various counterparties within Banking/CMB/FIG book to ensure that risks are thoroughly assessed by lending executives, make proper credit judgments with special emphasis on integrity of Credit Risk Rating (CRR), maintenance of satisfactory credit standards and controls, exercise of correct delegated lending authorities and adherence to all other credit standards prescribed in policy.

- Manage workflows independently during various Full Scope Review/Continuous sampling cycles; act as the liaison between the Senior Reviewers in onshore and the offshore team.

- Assist the Team Head for any adhoc work as may be required.

- Ensure timely and good quality delivery of the various workflows that are allotted to the offshore team.

- Ensure adherence to operating procedures in line with Global Credit Risk Review as well as Region specific policies.

- Identify streamlining opportunities in the Credit Review process.

- Development of MI for monitoring & reporting of the quality/quantity of outputs.

Skills/Experience Required

- Academics - Bachelors Graduate degree. Candidates with MBA-Finance or equivalent/ CA/ ICWA/ CS/ CAIIB preferred.

- Individuals with 4+ years of relevant experience in commercial credit risk, lending or credit analysis experience or equivalent, Loan Review, Loan workout, public accounting and/or federal bank examination experience, Corporate / SME Credit in a reputed Bank/ Financial Institution.

- Strong analytical (credit / financial) and problem-solving skills with the ability to quickly process data & facts to arrive at meaningful conclusions. Ability to exercise discretion, work independently within broad guidelines, tactfully handle sensitive and confidential data, deliver high-quality results within tight timeframes, manage multiple projects simultaneously and motivate and develop a professional staff.

- Proven team leadership, people and resource management abilities.

- In-depth understanding of various credit products viz. - term loans, working capital, trade facilities, bank guarantees, interest rate swaps, etc. and associated credits risks.

- Sound knowledge of accounting principles and practices.

- Proficient in Excel/Advanced Excel, proficient in software packages, preferred.

- Excellent verbal & written English communication skills.

- In-depth understanding of the business, risks and related controls within areas of responsibility.

- The candidate must show attention to detail, be committed to producing work of the highest quality, resilient under pressure to meet aggressive deadlines, a team player and dynamic manager.

Kindly share the details given below
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Tanvi