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 RM in a) obtaining all pre clearances like ER negativity, segmentations, etc b) preparing & presenting work-shopping note and c). expediting approvals
Responsible for end to end BCA process including preparing all the tools like Raptor, 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 meeting
Liaise with GAM credit for limit approval/allocation. Release the trade offering in IMEX under the delegated Authority from the Segment Head, after obtaining the necessary approvals.
Seek necessary approvals for excesses in the account.
Post deal account monitoring
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 RMS
In partnership with the relationship manager, ensure timely identification of account to be put in EAR as per the bank's policies and guidelines.
Prepare timely stress tests wherever required
Prepare specific industry study wherever required.
Work on specific request from custody for limits (only FI specifc).
Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
Prepare Credit opinion reports wherever required.
Effective use of creditmate & RMWB.
Monitoring and Controls
Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that liad down procedures/Policies are complied with any deviations to be escalated to Unit Head/ Head Credit & Operational Risk Controls/Credit
Oversight on CIC/ASTAR process. A proactive approach to identifying EAR accounts - No sudden slippages into GSAM.
Ensure to remain alert to the risk of money laundering and assist in the Banks efforts in combating it by adhering to the key principles in relation to : identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.