AVP & Lead, Credit Management, Education & Healthcare

Overview

Generic Accountability

• Actively participate in client relationships through client visits / conference calls as part of transaction origination/structuring.
• Provide ongoing feedback and expert inputs into the deal structure intermittently and as required based on Bank Risk Appetite for products/ industry / sector / geography / counterparty.
• Advises Relationship Managers on the risk factors associated with complex transactions, and the clauses imperative in mitigating these.
• Participate and represent credit in the due diligence process for prospective deals in collaboration with Coverage/ Product teams and ensure that emerging risk factors are identified and are suitably addressed with appropriate mitigants.
• Ensures that appropriate Target Market Risk Acceptance Criteria and Credit Policy guidelines are followed as part of approval process.
• Conduct and where appropriate, guide a team of analyst(s), to conduct robust credit analysis and obtain appropriate approvals.
• Ensures timely availability of required information to Head of Credit / Unit Head for credit decision making.
• Guides Coverage / Product teams on credit appetite and way and means to optimize the same to achieve optimal risk-reward balance as per established guidelines.
• Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
• Ensure accuracy of data being presented to various stakeholders including senior management.
• Obtain accurate and current information and update the Risk systems (Risk rating models, collateral management system etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Recommend amendments to the Bank s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank s risk strategy & policy.
• Ensure satisfactory rating in audits through proactive actions and ensure all recommendations are implemented.

Job Specific Accountabilities

• Preparation of comprehensive credit papers clearly outlining key risks, mitigations and recommendation for presentation to the Approving Authority for prospective and existing clients under assigned portfolio
• Coordinates with the Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
• Ensure credit processing & approval turnaround times as per agreed SLAs with Business Segment.
• Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients.
• Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
• Ensure all exces