- Credit Underwriting Management
| - Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc.
- Make decision proposals within delegated authority
- Evaluate new credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk.
- Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal.
- Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals
- Ensure prompt resolution/ explanation of queries raised by sanctioning authorities
- Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals.
- Work closely with the collection and legal to take action against defaulting parties
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| - To monitor the STSL business portfolio performance by continuous analysis of fundamentals, review of the ratings, analysis of the covenant and evaluation of the industry performance in that sector
- Review the covenant of loan proposals at frequent intervals and undertake action for serious deviations
- Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers, RSMs, NSMs and Senior Management.
- Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category
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| - Provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Processes keeping the current regulatory and compliance environment in mind
- Undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments
- Deploy effective processes and mechanisms to ensure high quality TATs for validating lending proposals & share the same with all concerned stakeholders
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- Business Growth / Cross Functional Coordination / Stakeholder Management
| - Support sales team in maintaining partner relationships with DSAs and Channel Partners and regular visits and trainings to meet business results
- Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information and Co-coordinating for smooth disbursement.
- Discussing through the door login trend and educating the business team on wastages and corrective actions.
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| - Deliver - Ensure that business and portfolio related targets are met within given timeframe
- Stay – Ensure controlled attrition by way of continuous training and development, thus resulting into internal growth to team members
- Growth - Understanding of the requirement of workforce to ensure that the right environment is created for people to grow.
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- Cross Functional Coordination
| - Communicate the expected credit standards by engaging with the channel partners, sales teams and other distributors in understanding the proposals submitted and extracting the relevant supporting information
- Oversee communication cascades to the sales teams on the broad parameters for validating lending proposals, provide regular trainings to RMs for the same
- Ensure document execution from RMs and the files are up to date
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| - Regularly Review & Monitor the Portfolio performance, OTC & PDD movement and Compliance related matters
- Regularly Review & Monitor Vendor Management and closure of Audit queries
- Review the delegation of authority exercised by RCMs
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| - Provide the team with best-in-class knowledge on selection norms, new ways of proposal analysis and concepts
- Ensure that the team stays abreast with all the latest developments in the secured lending space
- Nominate teams for product, behavioral & negotiation trainings and work on self-development initiatives
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| - Taking up projects with an aim of improving processes / portfolio hygiene from time to time with overall objective of improving ROA and / or cost control.
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