Lead Advisor - Credit Review

Be at the Vanguard of Credit Review Team and be part of the implementation and ongoing delivery of a robust independent challenge and review of first-line credit risk responsibilities, including the delegated loan approval authority granted to CRM, in accordance with the Credit Review Post Approval Review Framework.

About the Team:

The Credit Review team supports Commercial Lending Origination activity across the back and to assess whether activity is in line with risk appetite and to assess underwriting quality and 2nd line credit approval support. The Lead Advisor Credit Review will be responsible to 1) Evaluate transactions sampled versus risk appetite, policies and procedures and provide feedback to 1st and 2nd line stakeholders involved in the origination process. 2) Prepare a quarterly assessment of sampled lending activities to determine alignment with Banks risk appetite and provide reports to Risk Committees and Board.

Impact

The role will be part of Risk Management, India and supporting the global Credit Review in all aspects of the global Credit Review program. The successful candidate will support the global efforts of executing the sample testing and Identify deficiencies and areas of corrective feedback.

The role will work with a team of resources with solid Credit Review experience and skills, partners with global stakeholders to establish effective collaboration and partnership to build and manage talent capabilities. Communicates and collaborates across a broad set of stakeholders. Responsive to changes in the business environment.

Key Deliverables

Process:

• Lead the implementation and ongoing delivery of a robust independent challenge and review of first-line credit risk responsibilities, including the delegated loan approval authority granted to CRM, in accordance with the Credit Review Post Approval Review Framework.
• Perform file testing for commercial lending origination activity across FCB based on areas of growth and emerging risks using the line-sheets and sample population provided monthly.
• Sample, review and challenge commercial loan origination activity across FCB, inclusive of steps taken to review and approve transactions.
• Evaluate transactions sampled versus risk appetite, policies and procedures and provide feedback to 1st and 2nd line stakeholders involved in the origination process.
• Identify deficiencies and areas of corrective feedback.
• Provide results for consolidated analysis used in the preparation of a quarterly assessment of sampled lending activities to determine alignment with Banks risk appetite and provide reports to CRC, EROC, and BRC

Skills and Qualification

Functional Skills:

• 6 - 9 years of experience in credit risk management / Audit Function.
• Knowledge of financial services/ banking domain.
• Experience in Commercial Lending and underwriting.
• Excellent written and verbal communication skills.
• Stakeholder management skills, e.g., effective forward-looking planning, communication, and delivery of services.
• Able to effectively manage tasks as agreed.
• Efficient and well-organized workflow and process design skills.
• Outstanding attention to detail, accuracy of information.
• Ability to work in a team environment and coordinating with various stakeholders.

Technical/Business Skills:

• Advanced working knowledge of MS- Office tools like excel, PowerPoint. Microsoft Office (Word, Excel, PowerPoint, and Outlook)

Qualification:

• Relevant Bachelor/ Masters degree preferably in finance

Relationships & Collaboration

• Reports to: Senior Manager Credit Review Partners: Senior leaders and cross-functional teams.