Senior Lead - Credit Administration - Commercial Segment

- To handle wide range of products from working capital to term loan, NCD, Investment limits, Portfolio buyout, Commercial paper in Large corporate and FIG segments

- Checking if all credit appraisals are adequately approved and conform to internal as well as RBI guidelines

- Capability to guide/mentor the makers/checkers and ensure that processing is error free and within the committed timeline.

- Check whether statutory / internal exposure limits are not breached.

- Liaison with Business Teams, Legal, Credit etc. for timely and quality deliverables by resolution of issues/answering queries.

- External vendor management for multiple activities like stock audit, valuation, title search

- Handling various audits during the year and ensuring that adequate & timely responses are sent

- Handling department level initiative and taking these to closure by collaborating with other stakeholders

- Ensure enforceable legal documentation for credit facilities as per legal guidance and standard format/procedures. Involve in security creation including mortgages, pledge, hypothecation etc.

- To Ensure compliance with all condition's precedent prior to disbursement

- To give clearance for disbursement through the LSM/DM which is sent to Loan Operations.

- Set process/ make modification in existing process to avoid operational risk at early stage.

- Co-ordinate with loan operation team to seamless processing of transactions

- Ensure various covenant/deferrals tracking in system

- The role requires to work closely with Business and Operation team to faster processing of transaction under Customer First philosphy of Bank

- Governance of various housekeeping activities from CAD perspective: Periodic Reconciliation and clean up, documents/security management etc.

- Governance over data/regulatory reporting, ensuring accurate and timely reporting

- Managing Regulatory inspections, Audits, OR with sample/ data submission

- To develop an in depth understanding of IT system in credit ecosystem in Bank and assist in identification of gaps to mitigate the gaps

- Excellent interpersonal communication skill

- Credit Monitoring skills

- Project Management Skills