5 Credit Proposals Jobs

You are looking for a Senior Manager/AVP position in Credit Compliance at a bank in Mumbai. With 3-9 years of experience, you will be responsible for various key tasks related to regulatory compliance within the credit department. Your role will involve reviewing credit proposals presented to the Credit Committee, ensuring regulatory consistency, and highlighting any discrepancies. You will also evaluate credit policies, processes, and notes to provide feedback and advice for comprehensive and compliant bank operations. In this position, you will support the bank's business and credit functions by offering guidance on credit and lending matters from a compliance perspective. This includes advising on credit monitoring, CRILC reporting, LDS, regulatory returns, EWS parameters, fraud monitoring, and fraud reporting. Additionally, you will conduct testing and monitoring of regulatory risk areas in credit to align with RBI guidelines. You will actively participate in the implementation of new circulars at the bank level concerning credit and lending matters. During RBI audits, you will assist the team by coordinating with stakeholders to provide requested information and address any regulatory concerns raised in inspection reports. This may involve conducting root cause analysis for any violations and engaging with regulators as necessary to ensure compliance with regulations. Key responsibilities in this role include Credit Compliance, Regulatory Guidelines, RBI Guidelines, Policy Review, Compliance Advisory, Credit Monitoring, Fraud Monitoring, Regulatory Risk Management, RBI Audit Coordination, Compliance Testing, Regulatory Reporting, CRILC, LDS, EWS, Fraud Reporting, Regulatory Compliance, Credit Risk Management, Audit Coordination, Regulatory Inspection, Risk Management, Compliance Monitoring, Policy Compliance, Lending Compliance, and Root Cause Analysis.,

As a Collection Manager in the Corporate and Investment Banking division at DBS, your primary responsibility will be to manage pre-stress/stress accounts related to Supply Chain Finance portfolio and other working capital products for SME relationships. This involves early identification of credit deterioration, security optimization, and proactive workout strategies. Your role will require a deep understanding of the business, problem identification, operational and financial restructuring, and monetization of securities to optimize recovery. You will collaborate with senior leadership, Relationship Managers, and internal stakeholders to drive account management effectively. Your key accountabilities will include closely monitoring the allocated portfolio, reviewing operational and financial performance, identifying credit deterioration, engaging with clients for recovery, participating in early warning calls/teams, providing inputs on minimizing NPAs, and maintaining MIS for effective assessment of delinquent accounts. Additionally, you will need to comply with internal guidelines, regulatory requirements, and ensure positive ratings during audits. To excel in this role, you should have a minimum of 5-6 years of experience in collection roles within SME and supply chain banking, demonstrated negotiation skills, regulatory knowledge, and a proven track record in corporate and commercial banking. A sound understanding of credit proposals, competitors, and marketplace will be essential. Education-wise, a Graduate/MBA/CA from a premier institute is preferred. Your core competencies should include a deep credit understanding across sectors, exceptional negotiation skills, experience in various banking sectors, and problem-solving capabilities. You should be well-versed in regulatory and governance guidelines, KYC requirements, and financial markets. Building strong relationships, coordinating with internal and external stakeholders, and supervising restructuring assignments will be crucial aspects of your job responsibilities. In terms of work relationships, you will interact with top management of client companies, legal teams, valuers, CA firms, and collection agencies as needed. Your ability to drive performance, focus on customer delight, maintain integrity, and enhance knowledge base will align with DBS Indias culture and behaviors. If you are looking for a challenging full-time opportunity in operations at DBS India, where you can leverage your experience and expertise to drive recovery strategies and contribute to the bank's success, this role could be the perfect fit for you. Apply now and be a part of our dynamic team in New Delhi.,

You will be responsible for assessing, analyzing, and appraising credit proposals ranging from 5 Crore to 25 Crore for commercial banking clients. Your primary goal will be to make sound credit decisions that strike a balance between fostering business growth and adhering to risk management principles. This role will require you to conduct thorough financial analysis, identify risks, and compile comprehensive credit notes that align with the bank's credit policy and regulatory guidelines. In addition to the credit assessment tasks, you will also be responsible for submitting control returns to ensure compliance with internal controls and regulatory requirements. Your attention to detail and ability to interpret complex financial data will be crucial in this aspect of the role.,

Key Responsibilities Prepare comprehensive country profiles that assess political, economic, and banking sectors, along with conducting thorough financial and credit analysis of major financial institutions Draft detailed credit proposals to assess the creditworthiness of financial institutions / companies, recommending appropriate exposure limits and strategies Think critically and analytically to identify key insights from data, market conditions, and trends, and weave these insights into well-structured, cohesive reports Ensure that all reports are well-written, clear, and provide a compelling narrative for the client Stay updated on market trends, political developments, and economic shifts in the regions relevant to your work Meet project timelines and quality of deliverables in a manner to ensure high client satisfaction” Conducting quality control check of the outgoing reports Engage client independently on calls and e-mails Demonstrate strength and experience in client / requester relationship building and management, information / knowledge needs assessment Should be able to work independently with minimal guidance and need to be equally good in multi-tasking Key Competencies 4-6 years of relevant experience in investment banking, credit risk analysis, or financial institutions research Strong understanding of the banking sector, credit analysis, and financial performance metrics Ability to assess financial institutions, analyze business models, and evaluate financial performance using key ratios Strong report writing skills with a demonstrated ability to create clear, concise, and insightful documents Excellent quantitative / analytical skills with the ability to think critically and read between the lines to derive insights Ability to work independently and as part of a team, managing multiple priorities effectively Strong communication skills, with the ability to interact with senior stakeholders both internally and externally Proficiency in financial modelling, valuation methodologies, pitchbooks and other investment banking products would be an added advantage Well versed with Microsoft Office - Word, Excel and Power Point Excellent working knowledge of databases such as Bloomberg, CapitalIQ, Thomson, FactSet, etc. Previous client handling exposure is a must Self-motivated and able to motivate others Effective negotiation skills Ability to work in high-pressure situations Excellent communication skills, both written and verbal Ability to make quick and informed decisions A degree in Finance, Economics, Business Administration, or a related field. Post-Graduation in Finance or equiv. qualification (CFA, MBA (finance), CA or equiv.)

Position Purpose This role is r esponsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth. Responsibilities To be referred to the Credit Analyst Charter and Mission Statement. Direct Responsibilities o Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks. o Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analysts judgment. o Ensure that annual review / transactions deadlines are met. o Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files. o Communicate reliably and professionally with both internal and external clients. o Liaison with different mtiers and various BNPParibas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role) o Monitor clients credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution. Contributing Responsibilities o Presentation of credit proposals to local credit committees. o Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit. o Participation in discussions and on potential deals. o Keep updated on credit policies / methodologies o contribution to relevant credit projects (tools, process, methodologies including participation to tests). o To contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes. o Supporting team members to maximize the efficiency and effectiveness of the team. o Assist the Head and team Lead of CTCM on ad hoc basis as required. o Provide back-up on tasks performed by CTCM team when necessary. o Contribute to the Control framework. Compliance o Being aware of the regulatory environment. o Ensure compliance with regulatory mechanisms and compliance of credit process with the same. o Support in responding on credit-related matters from the regulators / internal auditors. Technical & Behavioral Competencies Technical Ability to analyze financial statements. Credit Appraisal - Identification of risk areas Ability to correlate credit risk with transaction risk. Industry and product knowledge Risk evaluation and monitoring Compliance with Internal Policies, Procedures, Guidelines, etc. Writing skills Advanced knowledge of Microsoft Office Behavioral: Analytical & Multi-Tasking skills Organizing and control of work. Detail orientation Adaptability Ability to work under pressure. Good interpersonal, presentation & communication skills Ability to collaborate / team work Good judgement, independent and creative thinking, able to express views and ideas. Specific Qualifications (if required): Credit Appraisal Skills Referential Behavioural Skills(Please select up to 4 skills) Attention to detail / rigor Ability to collaborate / Teamwork Adaptability Ability to deliver / Results driven Transversal Skills: (Please select up to 5 skills)Analytical AbilityAbility to manage a projectAbility to develop others & improve their skillsAbility to develop and leverage networksAbility to manage / facilitate a meeting, seminar, committee, trainingEducation Level:Bachelor Degree or equivalentExperience LevelAt least 7 years