Zonal Head - Mid Corporate Credit Team - Bank

Client is a well known Pvt sector bank & is rated highly among its peer group.

Role Specs : [generic]

Credit professional well versed in aspects of handling Credit, Risk Management, Client Relationship Management, Portfolio Management, Monitoring, Financial Reporting & Analysis, Due Diligence and Team Management for medium corporates.

Evaluating and raising critical risk concerns along with tangible solutions / mitigants, exercising adequate due diligence to improve credit quality with independent approving powers.

Demonstrated leadership in credit risk and in-depth knowledge of credit ratings, research & decision making and underwriting processes.

Proficient in managing various lending operations including appraising proposals, conducting risk analysis before sanctioning loans including market risk, management risk and industry risk.

Played a key role in the preparation of commercial proposals and complex deals including interaction with customers, risk analysis of proposals, devising risk mitigation strategies, interacting with Relationship and delivery teams.

Job Description

Approve and recommend medium ticket credit exposures (cases having Turnover of INR to INR 500 crs - 1000 cr ). Responsible for Mid Corporate portfolio health for the Zone.

Lead a team of senior analysts spread across the Zone. Leading, training & monitoring performance of team members to ensure efficiency in the operations.

Credit approving role including in-depth analysis of - clients / their prospects, financial statements to analyse commercial & operational aspects, business model, management competency, industry dynamics and competitive position.

Implementation of credit standards & guidance set by the bank's policies / programs and suggesting changes, if any.

Provide an independent credit opinion and recommendation on the proposed exposure & structures (to reduce transaction risk), highlighting the risks involved in a credit, considering bank's risk appetite and lending Policies, regulatory guidance etc. and providing adequate mitigants to minimize risk.

Hands-on experience in managing credit transactions/ operations including improving risk management policies; monitoring & controlling mechanisms, procedures & systems to detect transactions outside established parameters.

Identify business, structural, financial & overall credit risks, stipulating covenants to mitigate and ensure adherence to compliance requirements of RBI, Legal, Risk Management.

Tracking performance of portfolio and follow up on high deviation cases, highlighting critical risk zones and securing portfolio with collaterals in high risk cases leading to reduction in delinquencies.

Identify and report all negative events & early warning signals on potential problematic accounts/ relationships & signs of stress in client relationships, design strategies to address the stress and take pre-emptive measures to protect portfolio quality.

Responsible for internal risk ratings with the objectives of improving credit quality and maximization of rated credits to ensure capital relief.

Adhering to TAT for cases (as per banks requirements) and co-ordinating with RMs / ZHs for regularisation of overdue accounts, security perfection, covenants monitoring etc.

Presenting credit proposals / Reports to appropriate committee, as and when required.

Review of Quarterly Call Reports and Regular engagement / meeting with clients.

Assist National Credit Head with staff planning & budgeting for PAN India Risk function.

Candidate specs:

- Must be in a similar role with Banks, Big name NBFCs [ NO outsourcing background]

- Education : MBA / CA