AVP - Credit and Risk Management Specialist

3 weeks ago


Mumbai, Maharashtra, India First Abu Dhabi Bank Full time

Job Description

Job Purpose:

To oversee the credit administration function of the Mumbai branch, ensuring alignment with the CAD Cluster Head and CAD-International team at the Head Office. Key responsibilities include preparing and updating documentation for credit facilities, ensuring accuracy in system input, verifying the authenticity of security documents, and coordinating with stakeholders to release credit limits. The role also involves managing risks, preparing documentation reports, and assisting management in controlling branch risks within the Group framework.

Key Responsibilities:

Security and Documentation

  • Ensure credit approvals are signed by the delegated credit authority.
  • Prepare and review standard and non-standard documentation, security-related documents, and internal/external legal opinions.
  • Verify the authenticity of signatories and ensure all security/support documents are properly executed.
  • Coordinate with Product Specialists/Coverage/Credit/Group Legal to complete the documentation process prior to releasing facility limits.
  • Ensure approval from relevant authorities for deferrals/waiver of incomplete documents.
  • Rectify existing discrepancies/deficiencies in documentation.
  • Review and circulate documentation deficiency reports and follow up for timely submission/renewal.
  • Lodge and maintain updated security documents/collaterals in the Bank's system.

Credit Control

  • Set up and activate limits in the system according to approved product types, terms, and conditions.
  • Conduct monthly activities, including reviewing limits in GLCMS, deferring loan instalments, and extending loan maturity dates.
  • Prepare monthly activity reports illustrating the total volume of transactions processed.

Management Information Systems (MIS) and Reporting

  • Ensure accurate and timely internal and regulatory reporting.
  • Deliver comprehensive MIS and corporate databases to provide relevant information through reports.
  • Prepare and disseminate reports on collateral, documentation deficiencies, and associated reports.
  • Collaborate with IT on system enhancements and deliver reports requested by CAD-HO and management.
  • Manage ADHOC projects.

Qualifications:

  • Minimum Bachelor's degree with 8-10 years of banking experience, including credit and risk management.
  • Professional/legal qualifications will be an added advantage.
  • Excellent communication skills in English, written and verbal.
  • Strong interpersonal skills for effective interaction with external and internal stakeholders.
  • Good analytical skills.
  • Ability to develop and implement control measures to mitigate risks and build operational efficiencies.


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