Credit

GRADE: AM/Manager

REPORTS TO – Sr. Manager – Credit

DEPARTMENT: Credit

EMPLOYMENT TYPE: Full Time

ROLE TYPE: Individual Contributor

LOCATION: Gurugram – India

JOB SUMMARY:

We are looking for a confident and proactive professional who will help the team ensure, understand and manage the credit risk they will be exposed to. The incumbent ensures that through his performance the credit risk exposure of the bank is within acceptable parameters. They will be the reservoirs of information for credit performance, to build and optimize credit strategies. 

It is expected of the candidate to be strong in numerical skills along with dealing with complexities, commercial and business awareness along with good presentation and communication skills is the key.

WORK RESPONSIBILITIES:

1. To deal in Pre and Post sanctions credit activities for the corporate clients
2. To conduct Credit rating process for the corporate clients
3. To review credit proposals both fund based and non-fund based for corporate clients
4. To take for all kinds of audit i.e statutory/RBI/HO related to credit activities
5. Preparation and submission of all necessary reports to the regulator specified for the credit department
6. Issuance of sanction letter as per the terms and conditions of approved Term Sheet
7. Documentation-Issuance of security documents as per the terms of sanction
8. Interact with clients and negotiate, if need be, on the format of documents, refer to legal / approvers with appropriate justification on the changes suggested and Get the documents executed from the clients.
9. Verification of Constitutional documents (MOA, Partnership Deed, etc.), Authorizations (BR, Partnership, Letters, etc.) for availing facilities, creating security, execution of documents and scrutiny of executed documents to ensure proper execution.
10. ROC / CERSAI compliances Arranging filing of necessary forms with ROC and CERSAI.
11. Disbursement Ensuring proper execution of documents / compliance with the terms and conditions of sanction and receipt of approvals for deferrals.

DESIRED SKILLS:

1. Masters or Bachelor’s degree in finance, accounting & any other business-related field. CA/CFA’s good to have but not necessary
2. 3-8 years of relevant experience, working for credit of corporate banking segment
3. Strong proficiency in MS Office 
4. Strong attention to details and quantitative aptitude
5. Impeccable understanding of financial statements, ratios and concepts
6. Ability to manage the stakeholders
7. Good at interpersonal skills and relationship building internally & externally
8. Flexibility and ability to deal with ambiguous situations.