• Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the Relationship Managers from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Work with the Relationship Managers in :
a) obtaining all pre clearances like ER negativity, segmentation, etc.
b) preparing & presenting work-shopping note and c) expediting approvals.
Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
Coordinate and prepare for GCC meetings
Liaise with GAM Credit for limit approval/allocation.
Prepare GP5. (for Malaysia only), Conduct SCL/means and purpose test. (for Malaysia only)
Release the trade offerings in IMEX, after obtaining the necessary approvals.
Seek necessary approvals for excesses in the account.
Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
Ensure timely submission of quality Quarterly Credit Reports
Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
Ensure Zero BCA over dues.
Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
Proper maintenance of Credit files and ensuring Audit Ready at any time
Attend EAR/Portfolio call/MTM calls along with the RMs
In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
prepare timely Stress Tests wherever required
Prepare specific industry study
In partnership with the RM, approve the TAS request as per the bank’s policy (only FI specific).
Work on specific request from custody for limits (only FI specific)
Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate & CRM
Effective structuring the deal along with the RM – no of structured deals handled successfully
Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
Revenue from the portfolio
No overdue BCA, QCR
Efficient handling of EAR, minimal ASTAR,
Satisfactory Audit and other internal & external reviews
No movement of account to GSAM without going through EAR