01Overview
Job Description:
Key Objective of the Job:
To handle responsibilities mapped to profile of Regional Credit Manager.
Review and Evaluating large Corporate proposals within stipulated timelinesUnderwriting and structuring transactions by reviewing Business, Financial, Industry and Management related risksReview and negotiations of covenants, structure related inputs, for mitigating transaction related risksProvide inputs related to policy, SOP, regulatory norms, taxation, legal aspects and laws.Portfolio level risk mitigation, maintaining portfolio quality and health, customer visits, market intelligenceDriving projects related to Credit related automation, digital processes and AI implementationAdequately identify and articulate the risks and respective mitigates along with the sanction conditions/ recommendation.
Major Deliverables:
To review and underwrite transactions of High ticket size and provide inputs on key risks, strengths and covenants.
Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.
Manage team members and deliver organization objectives
Specialized job competencies:
Deep understanding of large Corporates, business groups, products including structured products, Industries
Assessment of financials across industries, nuances of regulations, taxes, legal matters impacting the transaction
Excellent articulation of key transaction risks
Ability to negotiate key terms, covenants
Team management
Desired Experience:
Preferably having relevant experience of 10+ yrsRelevant underwriting experience in Large/Mid corporate segment comprising of evaluating high ticket size exposures.
Other desired attributes:
Excellent communication skills, Team management capabilities, Good Attitude and willingness to learn & impart trainings .
