AVP & Lead, Credit Management, Education & Healthcare

u>Job Purpose:/u>

The purpose of this role is to take credit ownership from underwriting to obtaining necessary approvals for the assigned portfolio of clients across Healthcare & Education segment within Wholesale Banking. Apart from ensuring all propositions are in compliance with Group Credit Policy and guidelines, the role s purpose is also to provide guidance and expertise across full spectrum of product offering(s) working with Coverage & Product teams as also engaging with the client, where necessary, in structuring and propositioning so that the twin objective of client needs and Bank requirements are met in a swift and expeditious manner.

u>Key Accountabilities:/u>

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