Promptly carry out Interim BCA reviews and amendments as the business demands
Ensure Zero BCA over due and extensions not breaching the required threshold.
Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
Proper maintenance of Credit files and ensuring Audit Readiness at all times
Attend Early Alert Reporting (EAR)/ Portfolio call calls along with the RMs
In partnership with the RM, ensure timely identification of accounts to be put in Early Alert (EAR) as per the bank’s policies and guidelines
Maintain close contact with the borrowing clients on an ongoing basis
Ensure that Credit Files are up to date at all times
Others Prepare timely Stress Tests wherever required
Prepare specific industry study
In partnership with the RM, approve the TAS request as per the bank’s policy (only FI specific).
Work on specific request from custody for limits (only FI specific)
Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
Prepare Credit Opinion reports wherever required.
Effective use of CreditMate, RMWB, and other proprietary tools
KEY RELATIONSHIPS FOR
External – (Deal structuring, Credit information, industry update)
• Clients / Trade associations,
• legal firms, Accountants etc
Internal (Approval, reporting, monitoring; Joint management of the portfolio as a cohesive team)
• Credit
• RM
• Other stake holders (FM/ TB/CA/CRC, etc)
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