Manager - Credit Analysis

Organization Unit Purpose

Maximize customer experience by efficiently managing credit requests of the customer while ensuring efficient capital management, maximize returns and accept risks within acceptance criteria of the business.

Job Purpose

Responsible to support the business to generate maximum yield within the risk appetite and client selection criteria of the Business Ensuring the customers’ needs and requirements are addressed / met to gain maximum wallet share of business in a timely manner by assessing the risk, pricing of the risk, documentation and accurate collection of fees and interest.

Job Content

Preparation of Credit proposals

• Collaborate and interact with RMs on an on-going basis to discuss and structure credit that best fits the risk appetite and acceptability criteria of the Bank
• Proposes facility structure, covenants, conditions ensuring balance between client needs and bank’s credit risk appetite in consultation with the RM
• Assesses clients risk profile and proposal identifying key topics/ questions to be covered on the write up
• Completes FA in relevant approval systems filling in required information (client details, Collateral, facilities, etc.)
• Based on risk measures advice on capital optimization alternate strategies which includes, appropriate limits, collateral and pricing
• Prepares FA summary/write-up
• Occasionally, joins RMs in client meetings to ask key credit questions
• Calculates client’s risk grade leveraging the bank’s models
• Liaise with Credit on FA and other credit issues and ensure quick turnaround on queries
• Attend weekly meetings with RM/Team Leaders/GCD as required

Client documentation

• Collaborate and coordinate with Documentation Team to produce correct documentation for the customer in an efficient manner
• Minimize rework and re-presentation of documentation
• Work closely with RM team to ensure minimal document deficiency

Risk management

• Assist RMs / SRMs in regular a/c risk monitoring based on established guidance.
• Tests covenants of clients in the portfolio.
• Tests financial triggers for watch listed clients.
• Monitoring of exception reports.

Maintaining credit files with updated information

Maintain in-house discipline towards filing, DDR and covenant monitoring, regularization of excesses or one-offs and follow ups for regularization of all deferral and waivers

Customer service

Ensure top class customer service by coordinating with Coverage, GCD and CRAD to resolve queries and process requests in a timely manner.

Job Knowledge

Credit analysis, trade finance products, operations knowledge

Skills

Strong Financial statement analysis

Professional qualification

Analytical skills

Experience

At least 10 years in corporate banking in a relationship or credit risk management role.