01Overview
Role & responsibilities
Credit Assessment & Analysis
- Analyze financial statements, cash flows, banking behavior, and credit history of Business Banking customers.
- Conduct detailed appraisal of working capital, term loan, and other credit facilities.
- Assess borrower repayment capacity and identify potential credit risks.
- Prepare comprehensive credit appraisal notes and recommendations for approval.
Risk Evaluation
- Evaluate industry, market, operational, and management risks associated with borrowers.
- Review collateral security, valuation reports, and legal documentation.
- Identify early warning signals and recommend appropriate risk mitigation measures.
- Ensure compliance with internal credit policies and regulatory guidelines.
Portfolio Management
- Monitor the performance of assigned credit portfolio.
- Track covenant compliance and submission of financial information by borrowers.
- Coordinate with Relationship Managers for periodic account reviews and renewals.
- Support portfolio quality through proactive risk monitoring and account reviews.
Stakeholder Coordination
- Work closely with Relationship Managers, Credit Managers, Legal, Operations, and Risk teams.
- Assist business teams in structuring lending solutions aligned with customer requirements and risk appetite.
- Provide credit-related support during customer meetings and discussions when required.
Documentation & Compliance
- Ensure completeness and accuracy of credit documentation.
- Maintain adherence to regulatory, audit, and internal compliance requirements.
- Support internal and external audits related to credit processes. .
