Senior Credit Risk Specialist
2 weeks ago
Job Summary:
The ideal candidate for this role will be responsible for making credit appraisals of corporate borrowers from an asset lending perspective and recommending new and existing relationships for approval. The role involves portfolio monitoring, interacting, and coordinating with business units, internal stakeholders, and external stakeholders for existing and prospective relationships.
Key Responsibilities:
- Facilitate regular asset quality reviews with analytical insights to identify risks/opportunities and recommend relevant actions.
- Appraise and evaluate clients' creditworthiness for onboarding asset relationships in accordance with bank policies and regulatory frameworks.
- Negotiate loan terms with borrowers to mitigate credit risk.
- Ensure credit policies and risk appetite criteria are adhered to regularly.
- Analyze portfolios and ensure portfolio monitoring, trigger reviews, and delinquency control.
- Capture and share best-practice knowledge amongst the team.
- Interact with rating agencies, SRMs, peer groups, competition, and industry updates.
- Collaborate with internal stakeholders to leverage in-house synergies.
Requirements:
Graduation: Bachelor of Commerce / Accounting / Finance.
Post-graduation: MBA / PGDM (Finance).
Professional Qualification: Chartered Accountant (CA) / FRM / CS.
5-10 years of relevant experience in credit risk roles.
About IDFC FIRST Bank:
IDFC FIRST Bank is a leading financial institution that offers a range of banking services. We are committed to delivering exceptional customer experiences and are looking for talented individuals to join our team.
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