Assistant Relationship Manager - Mumbai, India - iimjobs

Description

• Understanding client requirements, financial documents and other necessary data for due diligence and analysis.
• Offering appropriate products as per customer needs and providing customer centric credit solutions by product structuring and suitability.
• Prepare and obtain credit preclearances, preparing credit analysis reports and applications for credit approval.
• Analyzing data from annual reports, projections etc. and sensitizing financial models, stress test, sensitivity analysis.
• Research and assimilation of market/sector information relating to the customer and its industry.
• Risk identification and mitigation.
• Compliance with all internal credit policies and procedures, regulatory compliance, reporting requirements etc.
• Coordinate and prepare for credit meetings.
• Liaise with ICBC HO/other stakeholders for credit limit approval/allocation.
• Post sanction monitoring
• Monitor quality of the portfolio by tracking Excess/ past dues, or unpaid due, strictly complying with processes in default cases.
• Ensure timely submission of quality quarterly credit/ performance reports.
• Review reports from various tools like fraud risk analytics, credit analytics, etc.
• Monitor risk triggers, covenants and other credit conditions and report appropriately.
• Ensure zero over dues.
• Liaise with Credit on credit assessment and other credit issues and ensure quick turnaround on queries.
• Proper maintenance of customer files and ensuring audit ready at any time.
• Attend portfolio calls along with the RMs.
• In partnership with the relationship manager, ensure timely identification of accounts to be put in close watch situation as per the Bank's policies and procedures.
• Work with RM on account management with stressed asset.
• Embed usage of credit risk analytics and credit analytics framework.
• Ensure portfolio is maintained with high quality both from credit risk and hygiene perspective.
• Ensure fast turn around on deals and no slippages / impairments.

• Prepare timely Stress Tests wherever required.
• Prepare specific industry study.
• Prepare credit opinion reports wherever required.
• Be prepared to do any other activity which might be required from job perspective.
• Present portfolio analysis and reports.
• Present case studies and training with respect to credit processes.

• Minimum Experience of 5 years in Credit.
• Both oral and written in a clear and concise manner as job involves proposal writing and presenting to various stakeholders.
• Good knowledge in macro economics as well as of different sectors/industries.
• Familiar with local lending regulation (both on Rupee and Foreign currency).
• Handson experience in handling Rupee and Foreign Currency transaction a must.
• Prior experience in handling corporate finance/project finance/ advisory roles would be preferred.
• Immediate joiner will be preferred.