Job Purpose
Overall responsibility for Portfolio Management within Corporate Banking.
Primarily responsible for managing the credit risk associated with the portfolio and ensuring high-quality portfolio.
Closely work with the relevant stakeholders from origination to monitoring, playing a vital role in deal structuring to add value from a credit/policy perspective.
Work with the relevant stakeholders on a specified portfolio and facilitate revenue growth in the portfolio.
Participate and contribute to cross-selling the Bank’s products.
JOB OBJECTIVES
Key Responsibilities
KEY ACTIVITIES
Deal Origination
Interact with the client, gather deal requirements, financial statements, and other inputs for performing quality analysis and due diligence.
Work with relevant stakeholders in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Prepare and secure approval for Term Sheets, wherever required
Work with relevant stakeholders in:
Obtaining all pre-clearances for deals relating to AML screening, Exclusion List, CRB, etc.
Deals Structuring and other account optimization initiatives
Expediting approvals.
Responsible for end-to-end credit proposal process including preparing all the tools like environmental and social due diligence report, Scorecard, Finales, etc., in-depth analysis of various risks, quality presentation, and ensuring timely credit approval.
Ensure compliance with all internal and regulatory credit/other portfolio-related aspects/matters
Post Deal Account Monitoring
Promptly carry out interim credit proposal reviews and amendments as the business demands
Ensure zero facility renewal overdue and extensions not breaching the required threshold lower of 5 or 5% credit applications in the month with regards to the assigned portfolio.
Liaise with Credit Risk on credit proposals, variations, memoranda, and other credit issues and ensure quick turnaround on queries.
Proper maintenance of Clients’ credit files and ensuring audit ready at all times
Attend accounts downgraded to Watch status/Portfolio calls along with the relevant stakeholders
Prepare and seek periodic approval where applicable on Covenants, Risk Triggers and Deferrals report
In partnership with the relationship manager and/or branch manager, ensure timely identification of accounts to be downgraded to Watch status, as per the Bank’s policies and guidelines
Others
Prepare timely Stress Tests, wherever required
Prepare specific industry study
Prepare Credit Opinion reports wherever required.
Effective use of Bank systems
Additional Responsibilities
On request, participate in Group-wide HR and business initiatives and provide expert advice on Corporate Credit matters including any other matter that may be assigned by the Team Leader from time to time.
KEY RELATIONSHIPS
PURPOSE
External
Project Managers,
Clients/Professional Associations
Legal Firms, Accountants, Valuers etc.
Internal
Credit (Risk Underwriting, CAD-documentation, CAD-operations)
Relationship Managers, Branch Managers
Sector Heads and Product Owners
Credit Administration
Legal
ESG
SAM/GSAM/Debt Recovery Unit
Others: EXCO etc.
Project monitoring, deal structuring, credit information, industry update
Approval, perfection of securities, reporting, monitoring, and joint management of the portfolio as a cohesive team
Qualifications
Bachelors’ Degree
Professional Qualification e.g. Accounting – CPA, ACCA; Banking – AKIB, Investment Banking – CFA
Masters Degree, an added advantage
Training on Credit Analysis, Deal Structuring
Experience in Credit Risk Analysis
Understanding of Trade Finance and Treasury products and services
Skills such as Presentation, Report Writing preferred
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