Wholesale Banking Credit Manager - Large Corporates

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.

Roles & 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.