Job Purpose: 

The job exists to conduct detailed credit assessment and preparation of credit appraisal memos for corporate and structured financing; to manage the overall health of the allocated portfolio and to guide team of credit analysts. Additionally, the person will be expected to support in Budgeting, Regulatory reporting, Portfolio Reviews and MIS from Group Credit perspective. 

Key Accountabilities:

• Handle independently credit evaluation and approval process for corporate lending and structured debt across various sectors. This includes working capital facilities, trade facilities, project finance, asset finance, non-recourse real estate financing and leveraged / acquisition finance. 
• To coordinate with Corporate Finance teams in developing appropriate product programs and assist in development of RACs 
• Analyze complex transaction structures, asset quality and counterparty risk as part of the credit analysis. 
• Review term sheets and identify credit and structural risks in collaboration with legal counsel. 
• Set Credit terms and conditions including limits / amortization schedule, covenants, seniority of claims, EoD terms etc. 
• Monitor ongoing credit exposure at product level and counterparty level; Also undertake Ad-hoc event-based risk analysis on structured debt exposures. 
• Ensure compliance with credit policies, regulatory requirement and industry best practices. 
• Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio. 
• Actively participate in any digitalization and automation based projects and represent Group Credit in the respective project teams and/or lead any such initiatives within Group Credit.
• Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts to ensure that the proposed facility is adequately structured to meet the clients’ expectations within the bank’s underwriting standards. 
• Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility. 
• Adhere to & comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth & methodical manner. 
• Exhibit consistency with organization’s values and ethics at all times to demonstrate a value driven culture within the bank.
• Have in-depth understanding of regulatory and internal bank policies.
• Exhibits good communication & writing skills when preparing & submitting credit proposals to approving authorities within the Bank.