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Regional Credit Manager-Large Corporate-Credit Appraisal-Mumbai-Lower Parel-MM •

Regional Credit Manager-Large Corporate-Credit Appraisal-Mumbai-Lower Parel-MM •

ConfidentialMumbai, India
6 days ago
Job description

Job Description

Key Objective of the Job :

To handle responsibilities mapped to profile of Area Credit Manager.

  • Review and Evaluating large Corporate proposals within stipulated timelines
  • Underwriting and structuring transactions by reviewing Business, Financial, Industry and Management related risks
  • Review and negotiations of covenants, structure related inputs, for mitigating transaction related risks
  • Provide inputs related to policy, SOP, regulatory norms, taxation, legal aspects and laws.
  • Portfolio level risk mitigation, maintaining portfolio quality and health, customer visits, market intelligence
  • Driving projects related to Credit related automation, digital processes and AI implementation
  • Adequately identify and articulate the risks and respective mitigates along with the sanction conditions / recommendation.

Major Deliverables :

  • . To review and underwrite transactions of High ticket size and provide inputs on key risks, strengths and covenants.
  • . Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
  • . To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.
  • . Manage team members and deliver organization objectives
  • Specialized job competencies :

  • . Deep understanding of large Corporates, business groups, products including structured products, Industries
  • . Assessment of financials across industries, nuances of regulations, taxes, legal matters impacting the transaction
  • . Excellent articulation of key transaction risks
  • . Ability to negotiate key terms, covenants
  • . Team management
  • Desired Experience :

  • Preferably having relevant experience of min 12-16 years
  • Relevant underwriting experience in Large / Mid corporate segment comprising of evaluating high ticket size exposures.
  • Other desired attributes :

    Excellent communication skills, Team management capabilities, Good Attitude and willingness to learn & impart trainings

    Skills Required

    Negotiation, Underwriting

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    Credit • Mumbai, India

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