Commercial Credit Specialist

3 weeks ago


Delhi, Delhi, India IDFC FIRST Bank Full time

Job Summary:

IDFC FIRST Bank is seeking a skilled Commercial Credit Specialist to join our Wholesale Banking team. As a key member of our credit risk management team, you will be responsible for making credit appraisals of corporate borrowers from an asset lending perspective and recommending new and existing relationships for approval.

Key Responsibilities:

  • Diligently conduct asset quality reviews with analytical insights to identify risks and opportunities and recommend relevant actions.
  • Evaluate clients' creditworthiness for onboarding asset relationships in accordance with bank policies and regulatory frameworks.
  • Review, recommend, or reject loan requests based on credibility and potential revenues and losses.
  • Negotiate loan terms with borrowers to mitigate credit risk.
  • Ensure adherence to credit policies and risk appetite criteria.
  • Monitor and analyze portfolios to ensure timely reviews and delinquency control.
  • Collaborate with internal stakeholders to leverage in-house synergies.

Requirements:

  • 5-10 years of relevant experience in credit risk roles.
  • Strong analytical and problem-solving skills.
  • Excellent communication and interpersonal skills.
  • Bachelor's degree in Commerce, Accounting, or Finance; MBA/PGDM (Finance) preferred.
  • Professional certifications such as Chartered Accountant (CA), FRM, or CS are advantageous.


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