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Lead Advisor - Credit Review

Lead Advisor - Credit Review

ConfidentialBengaluru / Bangalore, India
8 days ago
Job description

FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company's over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients' greatest ambitions.

Job Description

Value Preposition

Be at the Vanguard of Credit Review Team and be part of the implementation and ongoing delivery of a robust independent challenge and review of first-line credit risk responsibilities, including the delegated loan approval authority granted to CRM, in accordance with the Credit Review Post Approval Review Framework.

Job Details

Position Title : Lead Advisor - Credit Review

Career Level : P3

Job Category : Manager

Role Type : Hybrid

Job Location : Bangalore

About The Team

The Credit Review team supports Commercial Lending Origination activity across the back and to assess whether activity is in line with risk appetite and to assess underwriting quality and 2nd line credit approval support. The Lead Advisor Credit Review will be responsible to 1) Evaluate transactions sampled versus risk appetite, policies and procedures and provide feedback to 1st and 2nd line stakeholders involved in the origination process. 2) Prepare a quarterly assessment of sampled lending activities to determine alignment with Bank's risk appetite and provide reports to Risk Committees and Board.

Impact

The role will be part of Risk Management, India and supporting the global Credit Review in all aspects of the global Credit Review program. The successful candidate will support the global efforts of executing the sample testing and Identify deficiencies and areas of corrective feedback.

The role will work with a team of resources with solid Credit Review experience and skills, partners with global stakeholders to establish effective collaboration and partnership to build and manage talent capabilities. Communicates and collaborates across a broad set of stakeholders. Responsive to changes in the business environment.

Key Deliverables

Process

  • Lead the implementation and ongoing delivery of a robust independent challenge and review of first-line credit risk responsibilities, including the delegated loan approval authority granted to CRM, in accordance with the Credit Review Post Approval Review Framework.
  • Perform file testing for commercial lending origination activity across FCB based on areas of growth and emerging risks using the line-sheets and sample population provided monthly.
  • Sample, review and challenge commercial loan origination activity across FCB, inclusive of steps taken to review and approve transactions.
  • Evaluate transactions sampled versus risk appetite, policies and procedures and provide feedback to 1st and 2nd line stakeholders involved in the origination process.
  • Identify deficiencies and areas of corrective feedback.
  • Provide results for consolidated analysis used in the preparation of a quarterly assessment of sampled lending activities to determine alignment with Bank's risk appetite and provide reports to CRC, EROC, and BRC

Functional Skills

Skills and Qualification

  • 7 - 9 years of experience in credit risk management / Audit Function.
  • Knowledge of financial services / banking domain.
  • Experience in Commercial Lending and underwriting.
  • Excellent written and verbal communication skills.
  • Stakeholder management skills, e.g., effective forward-looking planning, communication, and delivery of services.
  • Able to effectively manage tasks as agreed.
  • Efficient and well-organized workflow and process design skills.
  • Outstanding attention to detail, accuracy of information.
  • Ability to work in a team environment and coordinating with various stakeholders.

    • Technical / Business Skills

  • Advanced working knowledge of MS- Office tools like excel, PowerPoint. Microsoft Office (Word, Excel, PowerPoint, and Outlook)

    • Qualification

  • Relevant Bachelor / Master's degree preferably in finance

    • Relationships & Collaboration

  • Reports to : Senior Manager – Credit Review Partners : Senior leaders and cross-functional teams.

    • Accessibility Needs

    We are committed to providing an inclusive and accessible hiring process. If you require accommodations at any stage (e.g. application, interviews, onboarding) please let us know, and we will work with you to ensure a seamless experience.

    Equal Employment Opportunity

    FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle.

    Skills Required

    Commercial Lending, Outlook, Underwriting, Powerpoint, Microsoft Office Word, Credit Risk Management, Excel

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