RBL Bank - Credit Auditor

POSITION PURPOSE :

- Responsible to conduct independent Risk based review of Appraisal & Assessment process for various Credit facilities sanctioned to Corporate/SME loans. Detect process gaps at pre-sanction stages.

- Conduct risk based credit audit of borrower accounts with a specific focus on sanction process, documentation, follow up & monitoring including EWS.

KEY RESPONSIBILITIES :

- Conduct independent review of pre-sanction process, involved in sanction of credit facility in lines with prudent credit practices.

- Participate in all aspects of credit audit activities including credit risk assessment, audit planning, audit testing and control evaluation.

- Review risk rating of borrower.

- Ensure that the credit proposal abides to Bank's extant guidelines, credit policy & regulatory guidelines.

- Report drafting with risk based approach, follow up and ensure closure of reports.

- Verify compliance as per the terms of sanction.

- Detect early warning signals.

- Evaluate, test and report on the adequacy and effectiveness of management controls.

- Monitor and analyze key performance indicators to identify trends & deviations from standard industry benchmarks.

- Stay abreast of local regulations and responding to regulator`s inquiry on a timely basis.

- Partnering with legal, compliance, risk management and other control groups.

- Perform and coordinate credit risk framework components which includes:

- Risk and due-diligence reviews

- Credit risk reporting and analysis

- Record credit risk incidents and associated process breakdowns

- Assist the credit risk owners and coordinators with the identification of key risk indicators in their business units

- Report Key Risk Indicators (KRI) breaches and deriving root cause for significant deviations

- Liaise with the credit verticals, risk & business unit representatives.

EXPERIENCE REQUIREMENT :

- 5+ Years

TECHNICAL SKILLS PREFERRED :

- Must have background in corporate banking as well as capital market/treasury spaces

BEHAVIOURAL SKILLS PREFERRED :

- Excellent presentation skills and the development of related materials

- . Excellent oral and written communication skills