• The Team Member - Credit Risk is responsible for scrutinizing the credit proposals on the above parameters. This includes understanding the business model of the client, critical analysis of business & financial risks, recommending tools/steps for mitigation of risks, financial ratio analysis, analyzing the risk appraisal reports to support credit lending decisions & ensuring compliance with credit lending norms. He is also responsible for review of portfolio cases and making periodic presentation for the same to Head Credit & Legal about performance of assets and compliance with terms and conditions under the loan agreement. He is primarily involved in building credit risk awareness about sectoral issues and regulatory policies related to infra business. He would also ensure compliance with various statutory acts like companies’ act, income tax act, and regulatory guidelines of Reserve Bank of India. Strong analytical skills for credit underwriting & risk identification and mitigation for Emerging & Growth Client Group and Large Corporates - Project & Structured Finance.
• To analyze the client business model, financial, business & collateral risk assessment & review of client credit credentials for discussions with the Credit Committee. Strong understanding of financial models, key credit parameters and trends of the industry.
• To obtain feedback from various sources for cross validating lending calls, develop a cross check reference and build credible networks for the same.
• To manage the assigned product programs so as to maintain and grow the program portfolio and ensure portfolio thresholds/ parameters are not breached.
• To ensure that credit underwriting is in compliance with regulatory guidelines and statutory norms.
• To make recommendations to the credit committee appraising the strengths & weaknesses of each case & the tools/steps for mitigation of risks.
• To have internal credit rating of the proposal as per ABFL credit rating model.
• To liaise with the Group risk and Central risk teams to institutionalize Corporate policies, initiatives and to approve new cases, exceptions as per hierarchy.
• To ensure updated client wise review including collateral update during the entire credit life cycle, along with Credit Monitoring & Business team, for all lending products along with industry & business trend analysis.
• To make recommendation to Head Credit & Team Lead - Credit about the acceptability of the credit proposal.

The Team Member - Credit Risk is responsible for scrutinizing the credit proposals on the above parameters. This includes understanding the business model of the client, critical analysis of business & financial risks, recommending tools/steps for mitigation of risks, financial ratio analysis, analyzing the risk appraisal reports to support credit lending decisions & ensuring compliance with credit lending norms. He is also responsible for review of portfolio cases and making periodic presentation for the same to Head Credit & Legal about performance of assets and compliance with terms and conditions under the loan agreement. He is primarily involved in building credit risk awareness about sectoral issues and regulatory policies related to infra business. He would also ensure compliance with various statutory acts like companies’ act, income tax act, and regulatory guidelines of Reserve Bank of India. Strong analytical skills for credit underwriting & risk identification and mitigation for Emerging & Growth Client Group and Large Corporates - Project & Structured Finance. To analyze the client business model, financial, business & collateral risk assessment & review of client credit credentials for discussions with the Credit Committee. Strong understanding of financial models, key credit parameters and trends of the industry. To obtain feedback from various sources for cross validating lending calls, develop a cross check reference and build credible networks for the same. To manage the assigned product programs so as to maintain and grow the program portfolio and ensure portfolio thresholds/ parameters are not breached. To ensure that credit underwriting is in compliance with regulatory guidelines and statutory norms. To make recommendations to the credit committee appraising the strengths & weaknesses of each case & the tools/steps for mitigation of risks. To have internal credit rating of the proposal as per ABFL credit rating model. To liaise with the Group risk and Central risk teams to institutionalize Corporate policies, initiatives and to approve new cases, exceptions as per hierarchy. To ensure updated client wise review including collateral update during the entire credit life cycle, along with Credit Monitoring & Business team, for all lending products along with industry & business trend analysis. To make recommendation to Head Credit & Team Lead - Credit about the acceptability of the credit proposal.

Credit Risk experience. Regular review of the portfolio along with Credit Monitoring & Business development team to ensure compliance of covenants and other terms & conditions of underwriting leading to identification of Early Warning Signals for Mid-Market portfolio. To ensure compliance with various statutory acts like the Companies Act, Income Tax Act, Regulatory guidelines of RBI etc.