Job closed
Ref: KP709-2458
Job description / Role
• Ensure quality assets are booked in the Bank’s portfolio and Special Assets are managed and resolved:
• To approve credits and restructured credits within own individual discretion;
• Credit - To supervise a team of Credit Managers & Analysts, who will, in turn, review, recommend, gain approval for and communicate the credit risk decision to Commercial Relationship Managers.
• CSAM - Responsible for managing a team of Special Assets managers, providing leadership and direction with respect to negotiating and restructuring the assigned vulnerable portfolio with the goal of minimizing losses and maximizing recoveries.
Job Performance:
• Portfolio performance: maintain a high-quality lending portfolio of the business along with commensurate risk based return.
• Maintain a high quality of underwriting and presentation standards vis-a-vis Credit Applications.
• Controlling Commercial NPL & credit loss rates,
• Managing the Special Assets portfolio, ensuring maximum recoveries, write backs and interest reversals.
• Providing the required service TATs (Turn-Around-Time) to the business,
• Contributing to bottom line numbers,
• Ensuring product profitability is maintained,
• Managing the operational risk elements of Commercial business.
Requirements
• Minimum post graduate level in accountancy/commerce/economics such as MBA. Minimum 20 years of risk experience
of which at least 5 years as a Senior Risk manager.
• Required: Relevant professional qualifications such as CA, CPA, CFA, etc.
• Robust knowledge of risk analysis/assessment; Knowledge of Risk governance processes, risk appetite, underwriting
standards; Experience of Central Bank regulations, Capital adequacy and ICAAP
• Extended experience in financial statement analysis with the ability to readily identify weaknesses and strengths;
• Demonstrated experience and ability to make the right decisions in order ensure that only quality assets are booked at
the appropriate limit levels;
• Ability to satisfactorily resolve risk related queries/problems arising from the Commercial Business Units.
• Good computer skills required for job performance/analysis/report writing.
• Satisfactory man-management skills and ability to provide guidance to junior analysts and branch analysts;
• Very strong writing skills with the ability to provide concise/precise information as required by the Management.
About the Company
Building businesses, changing lives
At Tandem, we’ve built a vast network of top-tier professionals across the globe. We empower businesses to thrive by delivering unmatched talent solutions. With our global reach, collaborative approach, and unwavering commitment to excellence, we drive transformative growth and shape exceptional teams.
Who we are.
We are a team of industry experts, driven by a passion for innovation and excellence. We are dedicated to providing unique talent solutions and nurturing collaborative partnerships that redefine success.