Job Description

Responsibilities

Direct Responsibilities.

1.

Performing functions include the following for corporate clients of allotted branches.

Checking of Facility letter and security documents. Efficient & effective document customization with due liaising with internal & external stakeholders including clients. Manage & comply with requests for waiver &/or deviation to standard template. Creation of charges with respective Regulatory authority. Due diligence and conformity check after document execution by client. Supervise timeliness & accuracy on document execution. Ensure loans are properly collateralized as per approvals. Limitation Monitoring & Covenant Monitoring & tracking. Collateral monitoring and tracking Issuing conformity notice post ensuring all preconditions for limit loading are met Monitoring of Early Warning signals/irregularities and excesses in the portfolios in close liaison with Relationship and Risk Teams. Monitoring of Early Termination Options. Loading and Authorization of Facilities/limits. Past Due file review monitoring and monitoring of overdue Commitments. Monitoring of Credit Proposals and overview of Watch list portfolio. Preparation and Compilation of various reports. Handling RBI Inspection and Audit requirements and queries in relation to credits. Member of Functions Committee coordinating with Operations team for overview on Operational workflow and streamlining. Managing business and credit risk to ensure there are no escalations
2.

Loan administration

Safe keeping of credit documents by branches. Effective checks on procuring periodic credit security information from clients viz. stock & book debt statements, insurance policies, stock & security audit, etc. Follow up security from the clients. Manage and co-ordinate inspections & audits. Carry out functions which have been delegated by management. Ensure accurate and timely resolutions. Direct and manage reporting requirements for the department. Supporting/ managing any other projects/ activities, as directed by Management from time to time.

Technical & Behavioral Competencies

Technical:

Expertise in credit documentation is critical. Excellent understanding of corporate banking products. Good understanding of banking process & practice, Legal and Regulatory framework. Working Knowledge of other applicable systems within the bank.

Behavioral:

Good communication & presentation skills. Good interpersonal skills with ability to work effectively in a matrix environment. Team player with client-oriented mindset. Ability to act decisively and manage multiple priorities effectively. Ability to multi-task on job whilst ensuring efficiency. Eye for detail

Specific Qualifications

Graduate / Post-graduate / CA / MBA in Finance with min 5 years of banking experience in Credit administration of Corporate Banking. Good Knowledge of RBI regulation with respect to credit monitoring and loan services & experience in handling auditors.
Education Level: Bachelor//'s degree or equivalent (3 years)

Experience Level

At least 5 years