Specialist, Credit Management

Job Responsibilities

• Analyse Client s audited financial statements/bank statements/Rental Roll Reports/ Collateral Details etc, look into client s credit history/credit reports/ system checks to meet bank s lending standards.
• In depth analysis of borrower s financial ratios like profitability, solvency, cashflow, debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
• Review & analyse re-structuring requests from the existing loan customers and recommend in line with the bank s policy/TM-RAC.
• To work out the credit risk rating and check RAROC of the customer as per the bank s portals.
• Ensure completeness & accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
• To review the excess rental release request of the clients after reviewing the rental register and rental collection account.
• To work in co-ordination with other stakeholders such as Credit Administration, Collections, Operations etc and take up with business in case of non-compliance of terms and conditions.
• Review/Approve deferral or waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
• Process the loan applications and service requests efficiently and within the agreed SLAs.
• Ensure completion and maintenance of the required departmental MIS as required on ongoing basis.
• Ensure that all the approved loans and proposal related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
• To be able to work in pressure conditions without compromising on the credit underwriting quality.
• To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.