Senior Manager - Underwriter - Credit Risk

Role Overview: To undertake comprehensive credit analysis and evaluation of Infra and Project lending proposals.

Key Responsibilities:

To undertake a comprehensive study into the credit worthiness of applications for Infrastructure lending, cross verify the credit records of borrowers/guarantors & undertake critical analysis of risks (market, credit, interest, exchange & legal) associated with the application.

- To ratify appraisal reports received from the credit teams of business groups for each application with internal credit ratings & evaluate recommendations received in support of lending decisions.

- To ensure efficient turnaround time for validating the proposals and preparing the risk notes.

- To get information about the borrower and the proposal from various networks and suitably use them in the proposal evaluation.

- To monitor the compliance of internal and regulatory guidelines, companies act, income tax act etc.

- To have risk awareness about macro and sectoral issues related to infra financing.

- To constantly evaluate the competitive norms in Banks and Leading NBFCs for Risk metrics and allowances and deploy the best practices in the organization.

- To perform portfolio monitoring and analytics for effective risk monitoring & formulate compliance processes for new and existing business

- To monitor the infrastructure lending portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyse the covenants and evaluate industry performance in that sector

- To devise various analytical tools to measure the portfolio health from various angles and highlight early warning signals

- To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations

- To regularly upgrade credit procedures & ensure their compliance with internal & external rules of lending

- To manage a robust documentation mechanism for business proposals & develop MIS reporting for areas under risk management

- To maintain the credit committee notes, risk notes, final copy of credit arrangement letters

- To maintain accurate reports & analysis of portfolio risk variances & trends for the Infra lending portfolio

Key Requirements:

- Experience: 5 to 8 years of experience

- Educational Qualification: MBA/CA

- Working knowledge of infrastructure finance

- Sound knowledge and understanding of infrastructure sectors

- Sound knowledge of financial statements, ratios and related analysis

- Self-motivated and customer oriented

- Sound problem solving and decision-making skills

- Good communications and interpersonal skills