AVP & Lead, Credit Management

Job Purpose: Prepare, recommend, gain approval for and advise outcome of the approving authority’s decision to units submitting credit facility applications and other transaction or one-off requests pertaining to Commercial Banking Customers. Key Accountabilities: Responsible for preparing /processing all credit related issues / requests originating from business units and conducting comprehensive analysis & assessment of such requests, based on which recommendations to be made for approval / rejection by appropriate approving authority or as applicable decisions to be provided based on delegation matrix; with the objective of ensuring that only high-quality assets are booked. Manage a portfolio of accounts and undertake regular follow-up with Business units on normal credit facility accounts where follow-up is required according to the terms of credit approval to ensure compliance. Also undertake monitoring on early warning cases and take updates from Business units to safeguard the interest of the bank and have follow-up on client commitments. Job Responsibilities: Undertake additional projects to support the Credit Team activities. Undertake additional responsibilities, including system checks, MIS reports etc as directed by Credit Head. Qualifications, Experiences & Competencies: Qualification: Minimum education required: Bachelor’s degree level in accountancy / commerce / economics / finance with Master’s degree being an added benefit. Experience: About 5-8 years banking experience of which at least 5 years in Credit Technical & Behavioural Competencies: Knowledge of risk analysis / assessment. Extended experience in financial statement analysis with the ability to readily identify weaknesses and strengths. Ability to satisfactorily resolve credit risk related queries / problems arising from the Business / other Units. Good Computer skills required for job performance / analysis / memo writing. Very good writing skills with the ability to provide concise / precise information as required by the Management. Ability to process volume of applications with variable amount / complexities. This not only requires vast experience and in-depth analysis of such cases, but also ability to perform at certain standard of quality and within the given time frame.

Qualifications, Experiences & Competencies: Qualification: Minimum education required: Bachelor’s degree in accountancy / commerce / economics / finance, with Master’s degree as an added benefit. Experience: About 5-8 years banking experience, of which at least 5 years in Credit. Technical & Behavioural Competencies: Knowledge of risk analysis / assessment. Extensive experience in financial statement analysis with the ability to identify weaknesses and strengths. Ability to resolve credit risk related queries / problems from the Business / other Units. Good computer skills for job performance / analysis / memo writing. Very good writing skills with the ability to provide concise / precise information as required by Management. Ability to process a high volume of applications with varying amounts / complexities. This requires substantial experience, in-depth analysis, and a standard of quality within given timeframes.

Key Accountabilities: Prepare / process all credit-related issues / requests originating from business units and conduct comprehensive analysis & assessment to make recommendations for approval / rejection by the appropriate authority or as per delegation matrix; ensure only high-quality assets are booked. Manage a portfolio of accounts and conduct regular follow-up with business units on normal credit facility accounts as per approval terms to ensure compliance. Monitor early warning cases and obtain updates from business units to safeguard the bank’s interests. Undertake additional projects to support Credit Team activities and perform responsibilities including system checks and MIS reports as directed by Credit Head.