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* Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
* Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
* Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
Key Tasks and Responsibilities
* Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
* Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
* Work with the RM, in:
a) obtaining all pre clearances like ER negativity, segmentation, etc.
b) preparing & presenting work-shopping note and
c) expediting approvals.
* Responsible for end-to-end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
* Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
* Coordinate and prepare for GCC meetings
* Liaise with GAM Credit for limit approval/allocation.
* Seek necessary approvals for excesses in the account..
Post Deal Account monitoring
* Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
* Ensure timely submission of quality Quarterly Credit Reports
* Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
* Ensure Zero BCA over dues and extensions not breaching the required threshold.
* Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
* Proper maintenance of Credit files and ensuring Audit Ready at any time
* Attend EAR/Portfolio call/MTM calls along with the RMs
* In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines
* Ensure that all administration associated with the team portfolio is done accurately in accordance with laid down procedures and on a timely basis in addition to undertaking regular inspection of assets and documents which represent security for the Bank.
* Ensure that portfolio review/audit results in good ratings and nothing negative is highlighted in the accounts allocated
* To assist in preparing annual industry studies, if required, in order to improve knowledge within OCC of specific markets and industries and to ensure we bank the top 50% in the industry.
* Complete awareness of Group Operational / Credit Risk policies, as well as local regulatory requirements.
* Takes on adhoc projects e.g. Team budgeting, preparation of reports, etc and other responsibilities as maybe required as per objectives set.
* prepare timely Stress Tests wherever required
* In partnership with the RM, approve the TAS request as per the bank's policy (only FI specific).
* Work on specific request from custody for limits (only FI specific)
* Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
* Prepare Credit Opinion reports wherever required.
* Effective use of Creditmate & any other credit tool
* Effective structuring the deal along with the RM - no of structured deals handled successfully
* Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
* No overdue BCA, QCR
* Efficient handling of EAR, minimal ASTAR,
* Nil Provisioning
* Satisfactory Audit and other internal & external reviews
* No movement of account to GSAM without going through EAR
* The achievement of overall CC Strategy, including the portfolio revenue targets and ultimately the overall segment's/unit's revenues.
* Monitoring, Control and Improve the overall risk profile of the team portfolio.
Qualifications & Skills
Interested and suitably qualified candidates should click here to apply online.