WBCG:MC - Relationship Manager & COE Member

About Wholesale Banking Coverage Group (WBCG)
The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oil Gas, Metals, textiles etc The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities

Geography credit officer will be leading a team of Credit Analysts, ensuring quality of the portfolio and desired productivity of team members
GCO will be a key resource well-versed in credit appraisal, RBI norms and internal policy & process This position will be reporting to Geography Sales Head

Ensuring the quality of credit appraisal notes prepared by self / credit analysts, ensuring accuracy of information/data and internal policy requirements Ensuring strict TAT for completing NTB and ETB proposals Coordinating with underwriting team for query reply Ensuring timely review renewal of accounts and system updation of renewal due dates Ensuring timely completion/submission of credit ratings, updation of ratings/EWS/ RFA/ BFD s, submission of quarterly monitoring reports etc Ensuring timely closure of credit audit reports, RAR observations etc Monitoring conduct of the accounts and reviewing adherence to sanction covets Training Credit Analysts on CAM preparation and internal process Enabling RMs/ business to achieve budgeted growth/ revenue by proactively ensuring TAT and quality of credit proposals To ensure adequate productivity levels for CAs and Self Suggest structuring to coverage team

Qualifications
Postgraduate in Business Management, CA or CS Experience: min three years as credit analyst and team handling Role Proficiencies: For successful execution of the job, a candidate should possess the following: Knowledge In-dept knowledge in corporate credit Should be able to assess and structure the credit proposals independently Well-versed in CMA preparation, working capital and term loan assessments Hands-on Knowledge in Finacle will be an added advantage

Skills
Good communication and inter-personal skills Should be able to effectively lead a team of credit analysts Should be able to present the credit proposals to higher committees

Abilities
Ability to work effectively across functions such as credit, CAMPU, WBO, audit etc Demonstrated ability to coach and mentor team members Ability to prioritize and make decisions in a fast-paced environment Ability to work as a part of team and contribute towards team goals