Associate Consultant - Credit Review

Job Description

Major Duties:

• Conducts credit reviews for assigned components of the plan, with the primary goal to validate the effectiveness of the Corporation’s credit rating system by covering the Corporation’s loan portfolios, as well as credit risk associated with bank deposits (domestic and foreign), investment securities, and other counterparty risk exposures.
• Responsible for evaluating adherence and effectiveness of the Advanced Internal Ratings Based (AIRB) approach for assigned reviews in the plan.
• Participates in developing the business unit strategic plan and sets goals and priorities based on the direction set for the team. Follows through to ensure objectives are met.
• Counsels lenders and business unit credit officers on specific loan situations and calls problem loans to their attention.
• Advises senior credit and loan personnel on the company's overall credit policy, noting significant trends and recommending policy changes if necessary.
• Conducts on-site reviews of credit portfolios and counterparty risk exposures to ensure the quality of credits, accurate and thorough documentation, compliance with internal credit policies/procedures, and federal/state banking laws, rules, regulations.
• Frequently interacts with partners in credit and banking and with senior management at affiliate offices to review audit and examination results.
• Keeps abreast of economic, political, and legislative factors that could affect the quality of loan portfolios.

Skills:

• BASEL II AIRB implementation, experience a plus.
• Knowledge of credit analysis, credit policies, procedures, documentation requirements, and applicable laws and regulations usually acquired through formal education and previous experience is required.
• Analytical skills are required to analyze risk of credit portfolios and report to management. Leadership, organizational, and communication skills are required to execute assigned reviews and report the related results.

Experience & Qualification:

• Graduate or above degree (B.com, BBA, MBA, M.com, PGDM etc.)
• 4 to 6 years of experience as individual contributor in commercial lending credit reviews, including collateral audit and loan documentation reviews, counterparty credit review experience, etc.