Proposal & Sanctioning :
- Prepare comprehensive and well-structured credit proposals, ensuring accuracy and compliance with internal policies.
- Conduct detailed financial analysis, risk assessment, and due diligence for cases ranging from 250 Cr to 750 Cr.
- Present proposals effectively to credit committees and secure timely approvals from the risk team.
- Demonstrate strong understanding of credit appraisal techniques and regulatory guidelines.
Disbursement Process :
Manage end-to-end disbursement activities, including legal documentation, property valuation, and adherence to compliance norms.Coordinate with internal teams (legal, compliance, operations) to ensure smooth and timely execution of sanctioned facilities.Portfolio Management :
Monitor client portfolios on a daily basis to identify early warning signals and mitigate potential risks.Track financial performance, covenant compliance, and market developments impacting client businesses.Identify and address value-destroying assets proactively.Business Development :
Support RM in acquiring new clients and expanding the banks footprint in the ELC segment.Deepen the share of wallet by cross-selling products and services to existing clients.Maintain strong knowledge of the local market and build relationships with leading SME and corporate clients.Structuring & Negotiation :
Design and structure credit facilities tailored to client needs while aligning with the banks risk appetite and profitability goals.Negotiate terms and conditions with clients in synergy with RM to ensure mutually beneficial outcomes.Required Skills & Competencies :
Strong expertise in credit analysis, financial modeling, and risk assessment.Thorough understanding of disbursement processes, including legal and valuation aspects.Excellent presentation and communication skills for committee interactions.In-depth knowledge of local market dynamics and key SME players.Ability to work collaboratively with RMs and cross-functional teams.Proven track record of handling large-ticket credit proposals and achieving business growth.(ref : iimjobs.com)