The Role Responsibilities

Origination

• 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.