SMBC - Assistant Manager/Manager - Credit

SMBC - Assistant Manager / Manager - Credit

The incumbent will be a part of the Credit Management Department which forms an integral part of Middle Office at Sumitomo Mitsui Banking Corporation.

The incumbent will be responsible for :

- Credit Assessment/ Appraisal, Risk Identification & Mitigation with respect to credit proposals

- Adherence of credit proposals to Head Office policies & procedures and local regulatory requirements

- Portfolio Assessment - Loan Portfolio Analysis

- Continuous review of the Bank's credit strategy, prepare recommendations for changes in products, credit limits and other terms and conditions and levels of exposure to particular market segments or customers

- Self assessment and continuous monitoring of sanctioned limits

- Due diligence on credit proposals. Vet the proposals submitted by Front and conduct necessary analysis (stress on company financials and credit quality) on the same. Review individual credit risk in accordance with the established Credit Rating System and Credit Quality Assessment.

- Ensure that the Bank's risks are properly addressed in terms of compliance with existing rules and regulations established by internal, local and international regulators.

- Detailing and analyzing exposures, providing comparisons and trends prescribed and specific provisions, key risk issues and large exposure information

- Periodic internal and external reporting to HO and RBI, including self-assessment

Skills & Knowledge :

- Graduate / Post Graduate in any discipline with minimum 2 year of relevant work experience.

- Excellent analytical skills

- Good written and verbal communication skills

- Proficient in MS Excel