Relevant business or any other relevant higher degree along with participation in specialist banking courses.
Sufficient technical/proposal training to undertake credit assignment.
5 - 6 years of minimum work experience in related areas of Credit Risk and Policy Development.
Possess in-depth knowledge of the various dimensions of the market/industry. Able to apply this understanding in business analysis and planning.
Awareness of current credit and bank regulatory environment.
Ensure credits are reviewed, recommended and approved in compliance with Bank's credit policies, product program parameters, DLA, STS, Industry Outlook, regulatory framework & Policies.
Approve Proposals within the discretionary limits for complex Investment, Syndication, FI credits covering areas of Credit & Market Risk.
Analyze and assess all risks associated mainly with larger sized Corporate financing/investments/bank risks and make relevant recommendations (however, other related business proposals may be assessed on a cases to cases basis).
Ensure that elements of operational, market, legal, and compliance risk are incorporated into the review process - as applicable.
Review the credit proposals on a regular basis to assess its conformity with approved policies and norms as well as market trends.
Review that the general portfolio/accounts are performing in line with forecasted business utilization and profitability.
Review and suggest changes in the risk rating of a specified client.
Maintain the active relationship with business stakeholders for extracting required information and also jointly visiting clients (as required).