Area Credit Manager - Self Employed

Job Purpose: To recommend proposals to Sr. Credit Manager, RCM, NRM, Credit Committee for decision on the case. To manage CPAs, Legal agencies, Technical agencies verification agencies to facilitate the quick turnaround of credit lending proposals. The key responsibilities include initial screening of the proposal, thorough preparation appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team, External agencies (legal, Technical, verification) Regional Credit Manager for faster decisions; Assist business functions and Sr. Credit Analyst for decision of the case.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

3) Job Context Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business / Unit / Function / Department / Section.

The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFD, SME and BIL/PL lending divisions considering the quantitative qualitative factors like ownership, size market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality client credibility adherence to statutory requirements.

The Risk Compliance is engaged in formulating credit risk policies for all ABFL businesses, carries out risk assessment of credit proposals, obtains credit decisions from Credit Committees, monitors credit exposure and carries out recovery of over dues. It formulates risk policies in association with Central Risk, ABFSG for overall risk management in ABFL.

Credit / Loan proposals prepared by Business Credit team are critically analyzed from credit risk perspective and the proposals along with Risk Assessment Sheet are put upto to Credit Committee for approval. While carrying out critical evaluation of the credit proposal the function also carries out evaluation of the risk mitigants in the credit proposal like the nature and the quality of the collateral, adequacy of the collateral, acceptability of the collateral given the regulatory and the compliance needs.

The Risk Compliance function carries out monitoring of client wise exposure and portfolio exposure to identify early warning signals of stress and to minimize NPAs. Currently monitoring is done in association with Business Teams as RMG does not have presence at Branch level. It carries out over due loan recovery from defaulting clients in coordination with Business Teams.

The BIL/PL Lending Division caters to the short term and long term funding needs of the Institutional as well as retail clients across the country. The product portfolio includes Loan against property, Lease rental discounting, home loans, Construction Fice, Structured Fice Real Estate Investment products (NCDs).

Both risk and credit functions are combined in the BIL/PL product and are performed by the same team of credit analysts across all locations which not only includes Independent assessment of Credit and risks associated with proposal but also identifying accepting the mitigants for going ahead with the transaction.

Loan proposals are critically analyzed from credit risk property risk perspective for further decision at the local / Regional / National levels within the respective authorities recommended to the Credit Committee for approval if beyond purview of the respective authorities.