Vice President - Credit Manager - Mid & Large Corporate - Wholesale Banking

Credit Manager(VP) , Wholesale Banking (Mid & Large Corp)

Given below position details with a Leading Bank :

Grade - VP

Function - Risk

Location - BKC Mumbai

Job purpose :

- The candidate shall make credit appraisal of corporate borrowers from asset lending perspective and recommend new as well as existing relationships for approval.

- Role shall also involve portfolio monitoring interacting and coordinating with the business units, Internal stakeholders (legal/compliance/trade/internal audit/product team) and external Stakeholders (Banks / Rating Agencies) for existing and prospective relationships.

- Keeping the unit abreast of the current industry updates, Peer group update and competition updates.

Key Responsibilities :

- Facilitate regular asset quality reviews with analytical insights to identify risks/ opportunities and recommend relevant actions

- Appraise and evaluate clients' creditworthiness for onboarding asset relationship in accordance with bank policies and regulatory framework

- Review, recommend or reject loan requests, based on credibility and potential revenues and losses

- Negotiate loan terms with borrowers to mitigate credit risk

- Ensure credit policies and risk appetite criteria are adhered regularly,

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control

- Capture and share best- practice knowledge amongst the team