Team Member - Credit

Credit Underwriting Management

• To have detailed risk evaluation at pre-sanction stage and appropriate risk monitoring at post sanction stage to ensure healthy portfolio. This will include, among other aspects, evaluating the industry, business of borrower, promoter pedigree, financial projections, etc.
• To monitor the critical accounts very closely for early warning signals through periodic reviews, meeting with promoters / management, feedback from co-lenders and other market participants.
• To review and recommend proposals to the delegated Credit Committee
• To ensure the underwritten credit is of the highest quality while balance is maintained in Risk Management, Turnaround Time, and Best Customer Service (internal as well as external)
• To work closely with the Infra legal team to act against defaulting parties. 
• To assess the expected credit loss of the portfolio and report the same to Management.
• To ensure the overall quality of the lending portfolio by planning & directing all aspects of Credit Risk.
• To ensure that an effective credit risk management program is in place for the C&I line of business, by establishing the framework for risk management activities and driving consistent standards across the organization.
• To ensure the overall quality of the lending portfolio by planning & directing all aspects of Credit Risk
• To ensure that an effective credit risk management program is in place for the Infra line of business, by establishing the framework for risk management activities and driving consistent standards across the organization.
• To develop formats and norms for approval, ensure their ratification within the team and from approval authorities in the system and institutionalize the prescribed process.
• To liaise with the various credit committees for closing the approval process
• To ensure prompt resolution/ explanation of queries raised by sanctioning authorities.

To minimize Credit Costs/ ECL by controlling NPAs  

• To have detailed risk evaluation at pre-sanction stage and appropriate risk monitoring at post sanction stage to ensure healthy portfolio.
• To monitor the critical accounts very closely for early warning signals through periodic reviews, meeting with promoters / management, feedback from co-lenders and other market participants.
• To assess and make recommendations for legal recourse available for recovery of dues, litigations for NPA cases.
• To assess the expected credit loss of the portfolio and report the same to Management.

To strengthen the process for Infra business leading to strong process control

• To steer formulation of loan & credit policies for all the lending functions in line with the overall business strategy and vision
• To get credit function involved at initial stage of due-diligence stage to improve the quality and effectiveness of risk mitigants.
• To liaise with the Central risk teams to institutionalize corporate policies, initiatives and to approve new cases, exceptions as per hierarchy.
• To review credit procedures regularly & ensure their compliance with internal & external norms of lending. 
• To steer formulation of loan & credit policies for all the lending functions in line with the overall business strategy and vision.
• To get the credit function involved at initial due-diligence stage in order to improve the quality and effectiveness of risk mitigants.
• To review credit procedures regularly & ensure their compliance with internal & external norms of lending.

To monitor portfolio assets and analytics for effective risk monitoring (in collaboration with the monitoring team)

• To ensure maintenance of portfolio quality through periodic review of operational and financial performance of loan accounts.
• To evolve a system of consolidated portfolio reporting, and early warning signals to identify potential problem accounts and sectors/industries.
• To develop portfolio risk mitigation mechanisms & strategies & define performance metrics that measure their effectiveness.
• To constantly review the portfolios and correlate the same with macro-economic scenarios, payment delays or defaults, new regulatory actions, sectoral movements etc.