Specialist Credit Approval Corporate Banking

To evaluate lending proposals for Indian Corporates and approve or recommend such proposals to Senior Credit Risk Managers as per DOAEnsure that proposals received are as per approved Target Market Risk Acceptance Criteria (TM-RAC) and deviations thereof have been highlighted by Business Unit.To provide strong credit support to the Senior Credit Risk Managers in implementing the strategy and business plans agreed by the GM & CEO with the Management Committee for DBS in IndiaTo assist the Senior Credit Risk Managers in establishing credit controls and procedures and also help the Business Lines grow, such that the business runs seamlessly, with zero NPL as the target.Job Duties and Responsibilities:To evaluate and approve credit proposals as per DOA. To recommend / provide studied and balanced credit opinions on lending propositions, to Senior Credit Risk Managers with a view to achieve a quick turnaround. To review the Weak credit risk notes for presentation to Committees.To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations and to update Local credit / Lending Policies as applicable.To assist in implementation of new credit evaluation tools, techniques and policies and help other credit staff and business unit staff to smoothly move into the new methodologiesTo be responsible for the allocated portfolio and actively monitor portfolio for ensuring compliance to financial covenants and keep abreast of company performance and industry developments.To maintain and assist the Senior Credit Risk Managers in maintaining compliance with regulatory, audit and statutory requirements and assist in inspections and audit (external and internal) inputs in all credit areas, along with compliances.To assist Senior Credit Risk Managers in compiling Management MIS / reports for Credit Committee, other forumsTo have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.Experience:-8-+ years of banking experience .Education/Preferred Qualifications:-MBA / Chartered Accountant.Core Competencies:-Good analysis & evaluation skillsGood interpersonal & communications skillsGood problem solving, planning & organizing skills.Good knowledge of industries/sectors.Good presentation skillsTechnical Competencies :-Good knowledge of credit evaluation methods, tools & techniquesSound knowledge of financial statement analysis and accounting policies/practices.Sound understanding of regulatory guidelines on credit issued by RBI, working knowledge of MAS regulations and local laws and regulations that impact businesses in general.Knowledge of corporate banking products.Work Relationship:-Interactions with Corporate Banking team.Good working relationship with HO Credit team, Risk Audit Team, product teams (FIG, GTS, T&M, etc)Interactions with RBI inspectors, external regulators and lawyers