Credit Risk Manager

4 weeks ago

Bengaluru, Karnataka, India First Abu Dhabi Bank Full time

Job Title: Credit Risk Manager

Job Summary:

The Credit Risk Manager is responsible for preparing, reviewing, and providing recommendations for credit facilities for a portfolio of Corporate & Commercial clients. This role entails compliance with all credit policies and guidelines.

Key Responsibilities:

  • Guide a team of analysts to ensure robust credit analysis is conducted and appropriate approvals are obtained within the bank in a timely fashion.
  • Complete due diligence processes for prospective deals in collaboration with Coverage/ Product teams and ensure emerging risk factors are identified and addressed.
  • Provide initial feedback at GLM stage and ensure that appropriate Risk Acceptance Criteria and CIB GCP guidelines are followed as part of GLM approval process.
  • Advise Relationship Managers on risk factors associated with complex transactions and the clauses imperative in mitigating these.
  • Ensure timely availability of required information to Head of Credit / Unit Head for credit decision making.
  • Participate in client relationships through client visits / conference calls as part of transaction initiation and monitoring.
  • Guide Corporate & Investment Banking Departments /Global Banking- Corporate Finance with different ways to optimum utilization of credit facilities by corporate customers without compromise on credit quality.
  • Coordinate with internal counterparties (CAD, Legal etc.) to provide guidance on risk assessment, risk rating, and documentation.
  • Ensure accuracy of data being presented to various stakeholders including senior management.
  • Obtain accurate and current information and update the Risk systems (Risk rating models / TOAs, etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
  • Recommend amendments to the Bank's credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank's risk strategy & policy.

Job Requirements:

  • Preparation of comprehensive credit papers clearly outlining key risks, mitigations, and recommendation for presentation to Credit Committee for prospective and existing clients under assigned portfolio.
  • Coordinates with Relationship Managers well in advance of due dates of annual reviews to obtain necessary information from the borrower to facilitate a comprehensive review of the credit facilities.
  • Ensure credit processing & approval turnaround times as per agreed SLAs with CIB.
  • Periodic meetings / conference calls with clients to be undertaken along with RMs for prospective and existing clients.
  • Monitor accounts regularly and follow-up with Business units on terms and conditions to ensure compliance with the approval conditions.
  • Monitor early warning indicators in order to identify potential problem accounts and liaise with Business Units for ensuring suitable action plans are in place to rectify the situation at an early stage.
  • Review exception and portfolio reports as applicable and keep abreast of the clients account conduct, financial standing, and latest developments occurring in their respective segment/market so as to provide appropriate recommendations with regards to change in risk appetite / ratings /classification.

Job Context:

To ensure that the quality of the portfolio allocated remains healthy.

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