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Job Context Key Aspects
- To ensure smooth and institutionalized flow of the BIL & PIL proposals at all the branches across their region
- To manage is responsible for analyzing the credit proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.
- To maintain stipulated TAT in credit appraisal process and co-ordinate with sales team for faster decisions to improvise TATs of the overall sanction process.
- To manage a team of Credit Analysts who will carry out the due-diligence, analysis and recommend credit proposals for approval.
Key Challenges
- To ensure timely availability of accurate data and information for exhaustive credit appraisals as each proposal has its respective structuring complexities as per the customer, product & regulatory requirements.
- To ensure efficient TATs in highly competitive & dynamic market conditions
- To ensure credit risk and customer risk are mitigated at all times
- To facilitate seamless cross functional coordination for timely approval of credit proposals.
- To ensure sticky accounts as well as pending documents are monitored and regularized on a regular basis
- To ensure self and team are constantly updated on economic/ industry/ sectoral knowledge and trends