Senior Credit Manager LCMM

Business

Aditya Birla Capital

Unit

Aditya Birla Capital Limited

Location

Mumbai

Role

Senior Credit Manager

Department

Credit Wholesale Solutions

Eligibility Criteria

CA/ MBA

To prepare documentation highlighting the viability of credit lending proposals based on institutionalized processes and dynamic market information

• To take up decision proposals within delegated authority

• Following the developed formats and norms for approval ensure their ratification within the team and from approval authorities in the system and institutionalize the prescribed process

• To ensure revert back to the sales teams with analysis of the broad parameters for considering or not considering the given proposal

• To engage with the Channel partners DSAs and other distributors in understanding the proposals submitted and extracting the relevant supporting information

• To suggest measures for ensuring workability of the loan proposals to the RMs keeping risk in check like suggesting risk mitigation for the identified risks

• To continuously update the sales teams on the broad parameters for validating lending proposals provide regular trainings to RMs for the same

To ensure efficient Turnaround time (TATs) for validating the proposals

• To ensure prompt resolution/ explanation of queries raised by sanctioning authorities

To regularly provide inputs for new products processes & credit lending norms

• To provide inputs and suggest amendments for various lending norms like Risk Matrix Interest Rate Policy Credit Authorization Matrix Risk Universe Newer Product Policy Processses to be adopted keeping the current regulatory and compliance environment

• To undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments

To perform portfolio monitoring and analytics for effective risk monitoring

• To monitor the C&I portfolio performance by continual analysis of fundamentals & reviewing the ratings analyze the covenants and evaluate industry performance in that sector

• To devise various analytical tools to measure the portfolio health from various angles and highlight early warning signals

• To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations

• To review reports and analytics on repayment schedules covenant monitoring modification in terms and loan sanction etc

• Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers and senior management.

To construct monitor and highlight MIS to the business head and the RMs for better business understanding

• To monitor the status of all important initiatives with the RMs and update them support the RMs for closure

• To report sales vs. budget variations & review trends and provide inputs for various presentations