In conjunction with the Chief Credit Officer (CCO), maintain the quality of the Corporate credit portfolios in line with Bank policies to minimize problem accounts and losses to the Bank. Recommend improvements and changes to the Bank's Credit Policies. <;p>;<;strong>;Purpose<;/strong>;<;/p>;<;p>;In conjunction with the CCO, develop portfolio MIS and metrics to manage the Bank&rsquo;s credit portfolio more effectively.<;br />;Develop the skill-sets for the Corporate analysts and greater credit awareness amongst the Corporate relationship managers. <;br />;&nbsp;<;/p>;<;p>;<;b>;Accountabilities<;/b>;<;/p>;<;p>;oAnalysing credit; approving/declining proposals; recommending to higher authorities for Islamic PB, Banks and other entities required for balance sheet management (DD &amp; Co, Bunge).<;/p>;<;p>;oAct as a consultant to RMs in Corporate Banking on credit proposals, financials, presentation, customer history; liaise between PB and Corporate Bank on common borrower groups.<;/p>;<;p>;oEnsure external regulatory issues and internal credit policies are met in all credit proposals, including adherence to single borrower ceilings, commercial real estate ceilings.<;/p>;<;p>;oHave an overview of the portfolio of Corporate Bank, in respect of exposure to individual industries/sectors; be aware of the local market.<;/p>;<;p>;oEnsure all credit applications are approved by authorized credit approvers holding adequate credit authority discretions; make certain that all required approvals/ratifications of Board/ECC are obtained.<;/p>;<;p>;oManaging a team of two or more. Interacting with Corporate Bank teams for their credit requirements.<;/p>;<;p>;oInteract with internal audit and regulatory audit for their various requirements and address their concerns on aspects of our credit policies and procedures and their implementation.<;/p>;<;p>;oEnsure that specific provisions for their portfolio responsibilities are kept within reasonable limits and recoveries are followed up.<;/p>;<;p>;oGet up to speed with SME lending as and when Bank decides to introduce the products/sectors.<;/p>;<;p>;oIn conjunction with the Manager of Corporate Credit, interact with internal stakeholders/IT and external vendors to develop and introduce a robust platform for MIS to monitor the portfolio.<;/p>;<;p>;oOrganize bank limits on an annual basis taking into account the requirements of Treasury and Trade Finance Departments; overview the daily data sheet of Treasury back office containing the excesses in Treasury products and FX open positions and investment details; overview the irregularity reports of various banks where Treasury or Bank limits have been exceeded; arrange for approvals of excess bank limits required by Treasury and Trade Finance.<;/p>;<;p>;oProvide/look for solutions for systems related problems like repayment installments culminating into a balloon payment, interest accruals not tallying with profits, etc.<;/p>;<;p>;oLiaise with lawyers to finalise legal documents related to specific transactions and also general security documents related to Credit.<;/p>;<;p>;oCoordinate with Corporate Banking for recoveries including negotiating with borrowers and liaising with lawyers.<;/p>;<;p>;oWhen needed sits in for Senior Credit officer - Institutional, Private and Islamic Banking.<;/p>;<;p>;oPerforms additional duties and responsibilities as required.<;/p>;<;p>;<;b>;Knowledge &amp; Skills, Education &amp; Experience <;/b>;<;/p>;<;p>;Essential<;/p>;<;p>;oPost Graduate in Finance/MBA and/or credit training at a major international bank<;/p>;<;p>;o8-10 years of banking experience.&nbsp;Proven ability to recommend lending policies and procedures as per&nbsp;requirements within the framework of risk and enforce adherence of all stake holders to such policies and procedures<;/p>;<;p>;oHigh degree of IT literacy and knowledge of the core banking system<;/p>;<;p>;<;b>;Additional Skills<;/b>;<;/p>;<;p>;oPossession of analytical and numerical&nbsp;skills of a high order<;/p>;<;p>;oAbility to lead a team and interact with a wide range of stake holders<;/p>;<;p>;oAwareness of the market<;/p>;<;p>;oKnowledge and best practices in lending including regulatory requirements<;/p>;<;p>;oExcellent communications skills (written and oral)<;b>; <;/b>;<;/p>;