Senior Associate, Specialist, Credit Approval, Risk Management Group

Job Purpose

• To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment.

• To assist the Credit Approvers in establishing credit controls and procedures for SME branches and help the Business Lines grow, such that the business runs seamlessly, within target NPL.

• To actively evaluate lending proposals for IBG 4 customers based on bank statement analysis

• Approve judiciously as and when DOA is granted

Key Accountabilities :

• To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.

• To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

Job Duties and Requirements:

• Review of credit proposals originating from PAN India and to highlight info gaps, key risk issues not adequately addressed.

• Portfolio monitoring / tracking & escalation of adverse new events in company / industry.

• Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.

• Ensure meticulous compliance with Bank?s internal credit policy as well as regulatory guidelines for the SME segment.