Job Description

Responsibilities

  • Review of Credit Appraisal Memoranda of new and existing loans to ensure the accuracy of all financial details and compliance with the Bank’s procedures

  • Risk Identification & Mitigation with respect to credit proposals and ensuring high credit quality

  • Adherence of credit proposals to Head Office policies & procedures and local regulatory requirement.

  • Closely work with the Business team to structure credit limits for corporate clients

  • Continuous review of the bank’s credit strategy, prepare recommendations for changes in products, credit limits and other terms and conditions and levels of exposure to particular market segments or customers

  • Self-Assessment and continuous monitoring of sanctioned limits.

  • Periodic internal and external reporting to HO and RBI, including self- assessment

  • Knowledge - The candidates are expected to also have a high numeric ability and proficiency in Microsoft Excel

  • Skills – Good understanding on Financial & Ratio analysis; Strong numerical and financial skills with the ability to interpret financial information and able to design and use financial models; Ability to understand and assess the effects of industry developments on the portfolio; Positive attitude towards learning and adapting to new processes

  • Experience – 7- 9 years of experience with minimum 3 years of experience in a similar function

  • Qualifications – Chartered / Cost Accountant or MBA -Finance , IBA/NIBM certified courses will be additional plus point

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