Manager - Credit Analysis

Organization Unit Purpose

Job Purpose

Job Content

• Preparation of Credit proposals
• Collaborate and interact with RMs on an on-going basis to discuss and structure credit that best fits the risk appetite and acceptability criteria of the Bank
• Proposes facility structure, covenants, conditions ensuring balance between client needs and bank’s credit risk appetite in consultation with the RM
• Assesses clients risk profile and proposal identifying key topics/ questions to be covered on the write up
• Completes FA in relevant approval systems filling in required information (client details, Collateral, facilities, etc.)
• Based on risk measures advice on capital optimization alternate strategies which includes, appropriate limits, collateral and pricing
• Prepares FA summary/write-up
• Occasionally, joins RMs in client meetings to ask key credit questions
• Calculates client’s risk grade leveraging the bank’s models
• Liaise with Credit on FA and other credit issues and ensure quick turnaround on queries
• Attend weekly meetings with RM/Team Leaders/GCD as required
• Client documentation
• Collaborate and coordinate with Documentation Team to produce correct documentation for the customer in an efficient manner
• Minimize rework and re-presentation of documentation
• Work closely with RM team to ensure minimal document deficiency
• Risk management
• Assist RMs / SRMs in regular a/c risk monitoring based on established guidance.
• Tests covenants of clients in the portfolio.
• Tests financial triggers for watch listed clients.
• Monitoring of exception reports.
• Maintaining credit files with updated information
• Maintain in-house discipline towards filing, DDR and covenant monitoring, regularization of excesses or one-offs and follow ups for regularization of all deferral and waivers
• Customer service
• Ensure top class customer service by coordinating with Coverage, GCD and CRAD to resolve queries and process requests in a timely manner.

Job Knowledge

Skills

• Strong Financial statement analysis
• Professional qualification
• Analytical skills
• Should posses strong managerial skills in order to manage team, operations, & portfolio accounts and to co-ordinate with other units.

Experience