Senior Manager Underwriter (Credit Risk) Fairdeal Corporate Advisors

5.0 - 8.0 years

20 - 30 Lacs

Mumbai

Work from Office

Senior Manager Underwriter (Credit Risk) Role Overview: To undertake comprehensive credit analysis and evaluation of Infra and Project lending proposals. Key Responsibilities: To undertake a comprehensive study into the credit worthiness of applications for Infrastructure lending, cross verify the credit records of borrowers/guarantors & undertake critical analysis of risks (market, credit, interest, exchange & legal) associated with the application. To ratify appraisal reports received from the credit teams of business groups for each application with internal credit ratings & evaluate recommendations received in support of lending decisions. To ensure efficient turnaround time for validating the proposals and preparing the risk notes. To get information about the borrower and the proposal from various networks and suitably use them in the proposal evaluation. To monitor the compliance of internal and regulatory guidelines, companies act, income tax act etc. To have risk awareness about macro and sectoral issues related to infra financing. To constantly evaluate the competitive norms in Banks and Leading NBFCs for Risk metrics and allowances and deploy the best practices in the organization. To perform portfolio monitoring and analytics for effective risk monitoring & formulate compliance processes for new and existing business To monitor the infrastructure lending portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyse the covenants and evaluate industry performance in that sector To devise various analytical tools to measure the portfolio health from various angles and highlight early warning signals To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations To regularly upgrade credit procedures & ensure their compliance with internal & external rules of lending To manage a robust documentation mechanism for business proposals & develop MIS reporting for areas under risk management To maintain the credit committee notes, risk notes, final copy of credit arrangement letters To maintain accurate reports & analysis of portfolio risk variances & trends for the Infra lending portfolio Key Requirements: Experience: 5 to 8 years of experience Educational Qualification: MBA/CA Working knowledge of infrastructure finance Sound knowledge and understanding of infrastructure sectors Sound knowledge of financial statements, ratios and related analysis Self-motivated and customer oriented Sound problem solving and decision-making skills Good communications and interpersonal skills

Posted 3 weeks ago

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