AVP- Credit Auditor

Responsibilities

• Conduct continuous credit reviews of individual borrowers on an ongoing basis, to assess the appropriateness of risk ratings of Obligor Grade and classification of Borrower’s Category for the Bank’s credit assets booked in primary India branches and other Asia Pacific branches, ensuring adherence to internal grading policies.
• To participate as a team member (‘Person in charge’) for assigned On-site credit reviews / audits and / or Thematic review assignments. Focuses of these reviews / audits are to assess appropriateness of risk ratings of Obligor Grade assigned including Japanese regulatory credit classification, adequacy of credit underwriting quality including financial projections, and robustness of credit risk management and processes in line with internal policy requirements.
• Provide value-added recommendations to Business Units (BUs) based on potential issues identified in all credit reviews.
• Follow-up on open issues identified and conduct validation review on remediation actions taken by auditee, in accordance with IADAP recommendations and address BUs’ concerns accordingly.
• Continuously monitor and update IADAP and Indian branches management on regulatory changes or market conditions for new and emerging risks in India.
• Continuously review and propose improvement to IADAP’s review process to ensure adequacy and efficiency of the controls in place against market practice.
• Participate in department-wide initiatives and perform other duties as assigned by Department Head or Head of India Audit.
• Travel within India and APAC region, if required

Requirements