Manage BBU TWC team to build the Asset & liability book, manage the existing as well as new portfolio.
To ensure timely reviewing and submission of credit proposals to RCD.
Screen the business prospects solicited by SRMs/RMs and identify the profitable and bankable relationships
Supervise, review as well as prepare credit proposals for the bankable prospects and potential customers as well as for annual renewal of credit facilities of existing Asset relationships.
Restructuring / revision of already approved credit limits to enhance profitability and minimize risk.
Periodic visits to customer sites/warehouses/office/premises etc. in accordance with business policy in addition to any/if mentioned by risk
Address the credit queries raised on proposals and follow up for approval of proposed facilities.
Review of reports such as exception reports, overdue reports, asset/liability maturity reports and follow-up with relevant stakeholders to address the shortfall or take required action accordingly in order to resolve the exceptions in these reports.
Follow up with SRMs/RMs to minimize the exceptions to the credit policy, processes, procedures and documentation.
Identification of delinquent / problematic relationships and strategy development to deal with such relationships.
To conduct joint calls with SRMs/RMs where necessary.
Assist the BBU Assets Head and all team members to respond to Audit observations prior to finalization of audit report.
Explore possibilities to improve the profitability and quality of portfolio.
Train, motivate and promote team to achieve targets while being approachable and accessible.
Manage all team related matters in consultations with BBU Assets Head.
Stern monitoring by way of prompt and frequent team meetings in order to scrutinize the performance of the team vis-a-vis targets.
Track and deliver cross sells targets set for SRMs/RMs.
Ensure weeding out high risk businesses and non performing performance customer regularly.
All the above accountabilities includes but not limited to any additional/new tasks or responsibilities assigned by the line Manager.
Work Experience:
Minimum 7-8 years of experience in Small /Mid/Corporate Banking, institutional financing, financial and risk analysis.
