3 Audit Resolution Jobs

As an Internal Rating Validation professional at our organization, your primary responsibility will be to assess and validate the credit ratings for corporate, SME, business banking, NBFC, MFI, broker, and bank clients across the bank. This critical role involves conducting a detailed review and understanding of credit aspects such as industry trends, business operations, financial performance, and management quality. You will be required to prepare comprehensive rating rationales and provide justifications for any adjustments made to risk scores. One of your key tasks will be to review deviations from the credit policy of the bank and provide recommendations or comments on all credit proposals presented to the Board level credit committee. Your expertise will be crucial in assessing policy compliance, portfolio risk, and industry prospects to ensure informed decision-making. Additionally, you will have the authority to approve judgemental rating actions based on the delegation matrix. Effective communication and collaboration with various stakeholders, including credit and business teams across different segments such as Large Corporates, Emerging Local Corporates, NBFCs, Brokers, MFIs, Projects, and Small Enterprises, will be essential for success in this role. You will be responsible for resolving internal and external audit queries as well as addressing concerns raised by regulatory bodies like the RBI. Furthermore, you will play a key role in reviewing and recommending the classification of borrowers experiencing financial difficulties. Your expertise will also be instrumental in regularly updating industry risk scores, identifying new industries for evaluation, and staying informed about the latest industry developments through participation in seminars, conferences, client interactions, and engagement with industry databases. In addition to your technical responsibilities, you will be tasked with defining and driving the achievement of goals and key performance indicators for your team members. Your role will involve nurturing talent within the team by providing guidance, feedback, coaching, and development opportunities to help individuals reach their objectives. You will also be responsible for developing a talent pipeline for key roles and mentoring high-potential employees within the organization. Finally, ensuring adherence to processes and working within predefined turnaround times will be essential to maintain operational efficiency and effectiveness in this role. Your commitment to excellence and ability to collaborate with diverse teams will be key to success in this challenging and rewarding position.,

As an Internal Rating Validation specialist at our organization, your primary responsibility will be to evaluate and validate credit ratings for corporate, SME, business banking, NBFC, MFI, broker, and bank clients. Your key activities will revolve around conducting detailed reviews of credit aspects such as industry analysis, business evaluation, financial assessment, and management scrutiny. You will be expected to prepare rating rationale and provide explanations for any changes in risk scores. Additionally, part of your role will involve reviewing deviations to the credit policy of the Bank, offering recommendations and comments on proposals presented to the Board-level credit committee, and approving judgmental rating actions as per the delegation matrix. Collaboration with stakeholders from Credit and Business departments for decision-making purposes will be crucial. Effective interaction with various business and credit groups across different sectors including Large Corporates, Emerging Local Corporates, NBFCs, Brokers, MFIs, Projects, Small and Micro Enterprises, and Business Banking is essential for this role. You will also be responsible for resolving internal audit, external audit, and RBI queries efficiently. Furthermore, you will play a vital role in recommending on the classification of Borrowers under Financial Difficulty, updating industry risk scores, monitoring industry developments, benchmarking companies within sectors, and ensuring adherence to defined processes and timelines. Moreover, you will be tasked with defining and facilitating the achievement of goals and key performance indicators for your direct reports, implementing performance management processes effectively, nurturing talent within the team through guidance and coaching, developing a talent pipeline for key roles, and mentoring high potential individuals within the organization. In summary, your role as an Internal Rating Validation specialist will require meticulous attention to detail, effective communication and collaboration skills, a proactive approach to problem-solving, and a strong commitment to upholding organizational standards and objectives while fostering talent development within the team.,

As a Credit Analyst, your primary responsibility will be to prepare and amend notes and financial models with accurate information obtained from various sources such as the business team, public domain, and other resources. You will be tasked with preparing credit notes that include detailed transaction structuring and assessment, focusing on the assessment of the sought credit facility. Regular interaction with collections and sales teams will be required to track delinquencies and study delinquent cases to derive insights and share learnings with the team. Meeting with retail and strategic customers at regular intervals to gain an understanding of various industries and markets will also be part of your role. You will be responsible for pre-approving and rating clients with exposure exceeding Rs 500L, conducting regular training sessions for sales, channel partners, and field sales staff on product policies and processes. Additionally, you will oversee the control and monitoring of post-disbursement documents through interactions with sales teams and customers. Managing the portfolio to ensure the quality of documentation, post-disbursal documents, and delinquency levels meet the required standards will be crucial. Collaborating on projects and process improvements, critically evaluating transaction risks, business and financial risks, and identifying associated risks to mitigate against them will also be key responsibilities. Performing detailed financial analysis, preparing credit notes with transaction structure views, and conducting thorough financial appraisals covering business models, working capital cycles, and profitability are essential aspects of the role. Developing market intelligence by engaging with individuals in other banks and financial institutions, identifying automation opportunities, and maintaining the quality of credit underwriting will also be part of your duties. You will need to raise early warning signals for stressed accounts, ensure minimal audit queries are addressed within prescribed timelines, and possess market knowledge of CE/CV market practices. Active involvement in customer visits and providing regular market intelligence reports will be expected. Qualifications: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.,