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Manager Credit Risk and Appraisal

Mumbai, MH
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  • Banking & Finance
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Job Details

Responsible for managing the development and maintenance of a high quality credit risk rating system used for credit decisions and capital allocationResponsible for pitching to major corporates, acquire new clients, servicing them and maintaining new relationshipsCredit risk evaluation of proposals from the various market segments and sectorsCarry out comprehensive credit risk analysis and appraisals of loan proposals of corporate clientsIn-charge of a team of Credit Analysts to ensure thorough analysis and evaluation of proposals emanating from businessWork closely with the Credit Management Committee in approving of facilities recommended by businessPreparation of appraisal note in consonance with the Corporate Credit PolicyMaking suitable recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing etc.Provides technical/theoretical expertise to resolve credit risk issues and enhance overall credit risk framework. Works with Credit Policy Group to ensure that risk management policies/processes and quantitative modeling approaches are consistent.Prepares reports and work papers detailing findings and holds discussions with unit management, senior management, Credit Administration, and other units or functional areas under review.Evaluates existing processes in relation to corporate objectives and industry leading practices. Assess development needs and manage process to achieve desired future state.Ensures that appropriate Risk Management policies, procedures, processes, and standards are incorporated into daily assignments and work flow processes and is responsible for maintaining high levels of awareness as related to the companys Risk Management policy.Performs follow-up to resolve and validate open issues noted during reviews or by internal/external entitiesMaintain relevant knowledge of key legal, compliance and market-risk issues involved in credit related activitiesPerforms continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to ManagementEnsuring that the delivery of credit approvals by the team meets business expectationsEnsuring adherence to appropriate credit standards in line with Risk policy & guidelinesContributes to communication and training efforts to promote understanding of credit risk management throughout the company.Desired Candidate ProfileCA / ICWAwith 5 to 8 years of experience in Credit Risk & AppraisalDemonstrated successful experience in large-dollar commercial loan review, underwriting or portfolio management of a commercial/wholesale lending portfolio,Should have a Clear understanding of the local market, industry scenario, analytical and credit appraisal skills.Has excellent formal written communication and experience in drafting policy and procedure documents around the domain of credit risk managementShould have good understanding of how the Retail as well as Corporate businesses within the Bank functionProven project management skills and abilities.Proficient in use of MS Office (i.e. Word, Excel, Presentation, Project etc)
Degree: CA (Chartered Accountant) | MBA/ PGDM | ME/ M.Tech./ MS (Engg/ Sciences)

Additional Degree: BE/ B.Tech (Engineering)

Experience: 5-8


Project/Structured Finance | Relationship Mgmt | Risk/Credit/Economic Analyst
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