Avp - Credit Administration (Loan Documentation)

Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our customers first and provide seamless access to, from and within the Asia Pacific region. SMBC is one of the largest Japanese banks by assets and maintain strong credit ratings across our global integrated network. We work closely as one SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.

With sustainability embedded within our strategy and operations, we are committed to creating a society in which today’s generation can enjoy economic prosperity and well-being, and pass it on to future generations.

**Section 5 : Job Responsibilities**
- Preparation and checking of sanction Letter and loan /security documents in line with approved terms
- Checking of loan and security documents (Draft and Executed)
- Tracking of pending documents and covenants
- **Documentation and Limit Control**:

- Ensuring execution of documentation and setting up of limits as per approved credit terms & conditions.
- **Credit Risk Management-** Provide support for overall credit risk management
- Application of learning on day-to-day assignments for various products offering of the Bank.
- Emphasis on timely delivery without compromising on credit quality and due diligence - Ensuring timely Deliverables.
- **Leveraging the potential of available Systems for monitoring-** Proficiency in understanding the deliverables available at Core Banking System。
- **Contribution to arriving at error free environment -** Adherence to conduct business under defined set of principles, procedures, and processes.
- **Credit Limit-** Controlling overall Credit Limit process as per credit approval.
- Compliance with local and global compliance requirement - Sacrosanct understanding of local and HO requirement relating to compliance activity in delivering business & productivity goals.
- Audit function (concurrent / RBI)
- Performing the functions in line with the audit requirements without any slippages and deficiencies (minimizing the finding and addressing the same).
- **Loan Documentation Control-** Follow the loan documentation process as per Bank policy and RBI guidelines.
- **Credit Monitoring (compliance) & Due Date Monitoring including overdue** :Ensuring credit compliance (conditions/covenants etc) as per credit approval. (Monitoring all credit items for due date control by making excel and day to day follow up).
- **Limit Loading** -Loading limits in Core Banking solution as per sanctioned terms.
- **Making effective usage of APTD learning platform-** Proactively register and complete the courses offered.
- **MIS for portfolio Management, RBI and other internal & external reporting**－Provide strategic support for the purpose.
- **Monitoring after disbursement of limits-**
- Monitoring Stock Statement (inventory & receivable statement) of borrowers availing working capital facilities on monthly basis
- Due Date monitoring of stock statement, insurance, loan documentation etc.
- **Outsourcing Vendors** - Keeping record related to the vendor appointed.
- **Maintaining Collateral data** in Core Banking Solution for all secured Borrowers
- **Monitoring of due End Use Certificate and Acknowledgment of Debt** from all Borrowers and assisting Business Team in obtainment of same before due date.
- **Assisting Risk Control, Operations and other Internal teams** by maintaining and sharing Database of all the limits uploaded, renewed & modified in Core Banking Solution
- Basis approved Credit Terms**, Loading of limits on various** TREDS platforms viz. RXIL, M1 Xchange, Invoicemart etc.
- **Computation of Drawing Power (DP)** and advising Limits in Core Banking Solution for DP backed Credit facilities basis Stock Statements submitted by the Borrowers
- Preparation of **exchange of information** on quarterly basis

**Knowledge, Skills, Experience & Qualifications**
- Knowledge of Microsoft excel is must.
- Should have good communication skills
- Should have good drafting skills
- Chartered Accountant/Company Secretary/ MBA. LLB Qualification would be significant plus.
- JAIIB/CAIIB
- Should have experience between 12-15 years and 8-10 years in checker role.