Assess and underwrite credit risk for midmarket and NBFC loan proposals, analyze financials and business models, recommend credit actions, structure deals, ensure documentation and grading, lead projects, mentor juniors, and improve process efficiency.
Independently analyzing and evaluating the risk of proposed exposure to Bank's loan portfolio
Responsibilities- Independently analyses and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
- Identify additional information requirements needed to properly assess risks of the transaction
- Understand and assess the customer's business model and its viability in the long run
- Review and analyse the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business
- Considers alternative credit structures to mitigate risk where appropriate
- Recommend action to be taken on credit, identifies key risks and information requirements
- Ensure that credit facilities presented are properly graded
- Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements
- Work independently with limited supervision. Serves as a resource for less experienced Credit Officers.
- Personally develop and maintain strong working relationships with Stakeholders
- Lead/ independently handle the business critical projects
- Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same
- Develop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholders
- Assume ownership of the allocated work.
- Having good understanding of underwriting big ticket cases in Mid Corporate & NBFC segments.
- Should have underwritten deals with minimum exposure of 200 crs.
- Knowledge and understanding towards structured deals, acquisition finance, project finance.
- Ability of comprehend and fine tune financial models in case of project finance deals
Qualifications: CA/ MBA Finance
Experience: 7 to 10 years
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What you need to know about the Delhi Tech Scene
Delhi, India's capital city, is a place where tradition and progress co-exist. While Old Delhi is known for its rich history and bustling markets, New Delhi is defined by its modern architecture. It's clear the region places a strong emphasis on preserving its cultural heritage while embracing technological advancements, particularly in artificial intelligence, which plays a central role in shaping the city's tech landscape, fueled by investments in research and development.
