Job Description

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Key Objective of the Job:
To handle responsibilities mapped to profile of Area Credit Manager.
- Review and Evaluating large Corporate proposals within stipulated timelines
- Underwriting and structuring transactions by reviewing Business, Financial, Industry and Management related risks
- Review and negotiations of covenants, structure related inputs, for mitigating transaction related risks
- Provide inputs related to policy, SOP, regulatory norms, taxation, legal aspects and laws.
- Portfolio level risk mitigation, maintaining portfolio quality and health, customer visits, market intelligence
- Driving projects related to Credit related automation, digital processes and AI implementation
- Adequately 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 min 12-16 years
- Relevant 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

Skills Required