Vice President:Corporate Credit_AFL

Role description

Core Responsibilities:

• Proposal Underwriting (Detailed Due diligence and Evaluation of Proposals)


• Detailed analysis of Financial statements and models


• Business/ Industry / Product/ Technology / Management/ Infrastructure and other Risk analysis


• Forecasting future financials and analysis of repayment capabilities


• Understanding in detail various Legal matters and/ or various negative s received during sanction/ review, assessing the risk and recommending views.


• Co-partner with business teams to manage end to end credit approval


• Policy & SOP adherence/ Recommend deviations raised and documented in compliance with credit policy.


• Preparation of credit note and approval/ decline sign-offs on every proposal regarding requests/ eligibility, bankability and compliance as per the credit policy and recommendation/ presenting to the sanctioning authority for approval,


• Engagement in negotiation, documentation and disbursement process


• Timely review of portfolio


• Portfolio monitoring and identifying Early Warning Signals and take appropriate steps to ensure NIL delinquencies  


• Customer/ Project/Site visits and continuous engagements


• Liaising with Internal teams (Business/ risk & Compliance/ Internal auditors / Operations/ Legal)


• Liaising with external agencies (Lenders Legal Counsel/Lenders Engineer/ Valuers/ Title Search  Advocates/ Rating Agencies/ Security Trustee/ Lenders/ Auditors)


• Active engagement in the recovery and coordinate with multiple teams for legal related matters


• Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems


• Keeping track of regulatory changes and various Industry updates. Accessing the impact of the same on the portfolio allocated.


• Ensuring timely submission of regular MIS/ Data Updates/ data requirement/ Minutes for the team/portfolio assigned and also attending to all Adhoc data requirements  within required timelines.


• Involvement in IT / Automation system implementation and processes improvement initiatives.


• Maintaining TAT for all actives including sanction/ reviews/ data requirements etc.


• Team Management and Team Trainings


• Participation in In-principle and representation in Sanctions committee meetings.


• Good understating of Industries/sector, Micro and Macro environment, Regulatory Guidelines/landscape etc.