KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities:

•      Ensuring Credit appraisals are done within TAT

•      Ensuring adherence to the credit policy and process.

Core Responsibilities:

•      Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM

• Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet
• Timely completion of credit appraisals / renewals/PSMs with effective structures
•  Customer Meetings and Discussion along with factory/ Unit  visit where ever required. 

•      Timely closure of exceptions & managing limit/facility overdue.

•      Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action

•      Interaction with various stakeholders (internal and external) for review of such customers

•      Carry out internal rating of customers and assign/review rating

•      Maintain/monitor Credit Hygiene

People Management or Self-Management Responsibilities :

•  Timely/ effective closure of transaction requests. Minimal CAM over dues.

•           Timely closure of exceptions & managing limit/facility overdue.

Risk and Internal Control Responsibilities:

• Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management