AVP - Credit Underwriting Officer (Corporate Banking)
SMBC Group
- Location
- Mumbai Metropolitan Region
- Job type
- Full-time
About the role
Website:
smfg.co.jp
Job details:
Job description:
Scope and Dimension
- Will be responsible for the review and assessment of credit risk and will seek approval from relevant authorities by preparing the analysis material.
- Geographical / Functional Coverage – India, Credit Department (2nd line)
Job Responsibilities
- Independently review and assess diverse credit applications submitted by Business Units, providing objective and thorough evaluations.
- Prepare clear, concise executive summaries for submission to approval authorities, highlighting key credit risks and recommendations.
- Collaborate with senior credit officers to develop a deep understanding of legal documentation and proactively review term sheets and credit agreements.
- Support incumbent credit officers and senior management in credit evaluation, underwriting, and portfolio management activities.
- Develop and implement action plans to address credits showing signs of deterioration.
- Coordinate with Business units and ensure accurate recording and maintenance of deal details and credit monitoring data in internal system.
- Conduct periodic credit portfolio analysis across various parameters.
- Monitor credit exposure concentrations in large corporates and high-risk industries, working closely with relevant teams to manage concentration and sector risks.
- Engage with business units to enhance credit risk management and alignment with risk policies.
- Actively participate in team and departmental initiatives aimed at improving credit risk processes and operational efficiency
Requirements:
- Should have 3 to 5 years of relevant experience.
- Credit analysis experience preferably in a credit approving or reviewing department
- Knowledge of Financial Institutions and NBFI sector; Corporates and Renewables Sector will be an added advantage.
- CA or MBA (Finance) from a reputed institute.
- Additional professional qualifications for credit risk management will be an advantage.
- Preferably employed with a Global Bank currently.
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