Regional Head - Credit, Business Banking

  • Bangalore
  • 20-23 lakh
  • 7-15 years
  • 26 May 2015

  • Finance/ Accounts

  • Banking - Retail, Financial Services/ Capital Markets, Banking - Corporate
Job Description

Job Description:

* Credit appraisal of prospective for SME a clients for fund based exposure like Working Capital, Overdraft/ Cash credit/ Term Loan etc. and non fund based exposure like Letter of credit/ Bank Guarantee etc.

* It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

* Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/ deals within Banks credit guidelines, Credit Programs and customers requirement.

* Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.

* Performing detailed credit and background reference checks on all prospective for Large FI Clients.

* Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.

* Disbursement of sanctioned cases including documentation, security creation and setting up of limit.

* Training of Sales Team and credit executive team on Credit and financial analysis.

* Follow-up with the sales team, account relationship team and other concerned teams for sourcing, documentation, limit set-up and renewal/review

* Joint monitoring of portfolio with account relationship team based on early warning systems.

Should have experience in working capital, SME