Job Summary

Key Responsibilities

• Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.

Strategy

• Interact with the client, gather deal requirements, financial statements, and other inputs for performing quality analysis and due diligence.
• Work with RM /product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in a) obtaining pre clearances where applicable like ER negativity, segmentation, etc. b) preparing & presenting workshopping note and c) expediting approvals.
• Responsible for end-to-end BCA process including preparing all the tools like Raptor, ESRAT, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g., preparing the Country portfolio standard checklist, other special reporting requirements, etc.
• Coordinate and prepare for GCC meetings for cross-border related transactions.
• Liaise with GAM Credit for limit approval/allocation and Seek necessary approvals for excesses in the account

Business

• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
• Ensure timely submission of quality Quarterly Credit Reports; Monitor Risk Triggers, Covenants and other credit conditions and report appropriately; Ensure Zero BCA over dues.
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
• Proper maintenance of Credit files and ensuring Audit Ready at any time
• Attend EAR/Portfolio call/MTM calls along with the RM
• In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines
• Release the trade offerings in Magellan under the delegated Authority from the Segment Head, after obtaining the necessary approvals.
• Alerting Sales TL/Credit/RM and other stakeholders in case any of the actionable stipulated by credit have not been complied with within the stipulated timelines.
• Prepare timely Stress Tests; specific industry study and Credit Opinion reports wherever required;
• Effective use of Creditmate & RMWB; Oversight role for training and directing analysts.

Processes

• Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that laid down procedures/policies are complied with. Any deviations to be escalated to Unit Head/Head Credit & Operational Risk Controls/Credit.
• Oversight on EAR/ASTAR process: A proactive approach to identifying EAR accounts - No sudden slippages into GSAM.
• Ensure and remain alert to the risk of anti-money laundering/sanctions and assist in the Bank' efforts in combating it by adhering to the key principles in relation to identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.
• Maintain credit files curled and updated with all the credit documents.

• Risk Management

  • Ensure adherence to risk management, both reputational and operational.
  • Ensure you remain alert to the risk of money laundering and assist in the bank's efforts in combating it by adhering to the key principles in relation to: -
  • Identifying your customer, knowing your customer, reporting suspicions, safeguarding records, and not disclosing suspicions to customers.
  • Ensure you remain alert to the risk of money laundering and assist in the Bank' efforts in combating it by adhering to the key principles in relation to identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers

  Governance

  • Ensure adherence to the Risk Management Framework, Group Code of Conduct and various Policies, Procedures and Guidelines of the Bank by the Business Banking, Relationship team.

  Key stakeholders

  Internal

  • Head, Business Banking; Head, Medium Enterprises; Head, Client Relationships; Trade Product Manager & Trade Operations; Head, Credit Analysis; Credit & Risk team; Financial Markets & CMPS; Transactional Banking & CRC; Client Deepening and Portfolio Strategy Manager; Portfolio Monitoring & Controls Manager; Business Operations & Risk Management; Branch Managers; Client Experience team; CFCC; Legal

  External

  • Clients; Legal Firms; Accountants

  Qualifications

  Product broadening

  • Understanding of businesses and financials; Enhanced multi-product ME knowledge; Market and competition knowledge

  Client engagement

  • Presentation and soft skills tailored to engaging business owners; Internal stakeholder engagement skills; Closing deals; Ability to drive and manage client interaction; Communication and presentation skills; Negotiation and objection handling; Client training on digital solutions

  Journey completion

  • Discipline and time management to handle a client portfolio; Ability to solve problems and close issues without handing over; Strong analytical ability; Understanding of BC KYC/CDD principles