Origination and review of Corporate & Investment Banking credit applications for presentation to Credit Department, Main Credit Committee and Board for approval. Pro- actively support the sales force by assessing credit risk of assigned portfolio/accounts with a view to minimizing loss and maximizing Risk Adjusted Revenues through the Credit review process and assist with account maintenance

JOB RESPONSIBILITIES

· Analyse corporate customers’ risk using credit skills, ratio analysis, cash flow projections using bank’s provided platforms, evaluation of parent support policies, credit grading and judgment of management and strategy

· Jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts

· To understand customer needs and inherent credit risk and act upon them

· Carry out research work and analyze market information so as to counter competitive pressures

· To ensure that all credit conforms to internal Credit Policy and regulatory guidelines

· Monitoring of credit quality and risk with the Relationship Manager by highlighting early warning signs of credit deterioration.

· Obtaining and analysis of financial statements and raising appropriate concerns

· Recommending minimum pricing ranges/ risk margins using exiting tools

· Regular review of credit worthiness of clients using credit scoring techniques and other monitoring tools that may be available from time to time

· Audit preparedness at all times and Prompt co-operation with regulators and internal auditors where we have been inspected by regulators/internal audit

· Any special projects or adhoc roles that may be assigned

MANAGEMENT DIMENSION

· Review all Commercial /F & A MCC credit papers with turnaround time of 5 days and 12 days for renewals and new business respectively

· Internal NPS for NEW applications

· Accompany Relationship Managers on Client Calls. One Mandatory call pre-review call.

· Undertake financial spreading and credit risk scoring using Moody’s Analytics tool

· Corporate credit- written escalation to Unit Head within 3 days of occurrence of any challenges in the credit process

· Credit application register and turnaround Time (TAT)to be completed for all applications

· Ensure own continuous professional development

· Ensure own Leave management for self does not exceed maximum of 5 carry over days by year end

· To ensure monthly tracking of Credit application turnaround time (TAT)