VP - Credit Risk - Wholesale Banking

Looking for VP Credit Risk Wholesale Banking / SME+ Mid Corporates in Banking Captive, Kolkata location

Manage and develop a team of Special Credit Unit employees and business processes and procedures to ensure effective and independent day to day operations in order to clearly demonstrate value added support to the onshore Credit Unit teams.

Be the credit approver for relationships, based on delegated authority.

10+ years of post-qualification experience in handling small business or commercial credits and dealing with customers and government agencies or equivalent (relevant loan workouts and/or commercial lending and/or commercial recovery experience).

In-depth understanding of accounting, financial analysis, credit products i.e. all fund & non fund based credit products viz. - term loans, OD/CC, LC/BG, bill discounting, factoring, forex loans.

Good knowledge of International Trade Financing, treasury / derivative products will be preferred.

Ability to analyze loan documentation including syndicated credit agreements, analyze complex corporate financial statements as well as personal net worth statements.

Strong analytical skills with ability to quickly interpret data & facts to arrive at meaningful conclusions and assess the business/ financial prospects of the borrowers.

Awareness of IFRS9 Expected Credit Loss calculation methodologies is preferred

Ability to interpret loan and credit agreement amendments, cash flows and financial statements.

Working knowledge of internal loan systems and loan approval system.

Strong team player able to work cooperatively with existing Credit Unit, RMs and Special Credit Unit Management.

Understand the basics of bankruptcy and bankruptcy law

Comprehensive knowledge of Credit Policy, Lending Officer Procedures and Underwriting Guidelines and collateral/security lien procedures.

Ability to be flexible and adjust to the demands of information project requirements driven by senior management and regulators

Excellent written and verbal English skills.

Demonstrated negotiations, problem-solving, communications, decision - making and persuasion skills

Knowledge of application of law as it applies to banking, business loans, bankruptcy, contracts, securities, Uniform Commercial and Real Estate Codes.

Customer centric mind-set.

Resilience to work under pressure to meet aggressive deadlines