Generation and sourcing of business leads for the branch andto achieve the budgeted growth in advance and income level by active marketing.
Attend road shows arranged for various companies (both IndiaBased and Local entities), subsequent follow up with other MLABs andparticipants related to syndicated loans.
Preliminary scrutiny of credit proposal based on dealdetails.
Responsible for preparation of appraisal memorandum of aborrower entity.
Classification of various items of P&L, balance sheet ofthe borrowing entities as per Bank's instructions and the applicable accountingstandards and preparation of CMA
Analyze financial statements and credit profile includingindustry and management parameters to determine the degree of risk involved inextending credit or lending money
Preparation of credit applications and annual credit reviewsinvolving in-depth analysis of customer's financial standing, industry review,business outlook, risks and opportunities.
Collation of data on the company and its rating and opinionreports.
Compare liquidity, profitability, and credit histories ofestablishments in the same industries and geographic locations
Analyze and provide input on loan policy issues and creditstructures, ensuring that the final credit proposal to be presented is mutuallyacceptable
Appraise, process loan deals emanating through origination,participation, and sub participation, secondary market deals - for sanction byrespective authority.
Credit Risk Assessment borrower wise/guarantor-wise andfacility wise to ensure correct classification of financial data.
Carrying out timely annual review /Renewal of loans
Recommend for amendments in the Facility terms as sought bythe borrower(s) and /or other banks in accordance with laid down norms.
Draft Sanction Letter to the Borrower or Commitment Letterto MLAB
Attending to Internal and External Audits including ourInspection & Audit Department (IAD), and ensuring their timelyremarks/compliances
Carry out the KYC due diligence on the borrower, directors,other officials as required by the KYC policy of SBI Singapore.
Monitoring the collection, distribution and sharing of feeamongst various stakeholders.
Prepare and submit control report and Action Taken Report onthe observations/ conditions, stipulated by the sanctioning/reviewing authority
Preparation of Reports/ Slides for Review of Performance andother meetings, Submission of data.
Liaise with Treasury / Accounts / Finance / Credit admin /Risk Management team to get regular updates on reference rates, cost of funds, yields, exposure levels, sectoral outlook.
Preparing industry studies to improve knowledge of specific markets and industries.
Formulation and implementation of Branch's loan policy, Policy on sustainable loans with regular updates / modifications.
Job Requirements:
Qualification Bachelor's Degree or equivalent, preference will be given to those who have done courses related to Banking and Credit.
Continuous Banking experience of 6-7 years, out of which should be having minimum 2 years experience in field of Commercial Credit.
Strong understanding of Balance Sheet/ Financial Statements Analysis.
Strong understanding of financial compliance.
Sound knowledge of banking systems/ processes/ procedures.
Sound Knowledge of banking/ financial products.
Excellent customer focused mind-set.
Good management skills and analytical mindset one who caneffectively analyse a situation and make decisions to address issues/problem.
Excellent communication and inter personal skills withthe ability to interact with all levels of staff and top management
Sound knowledge of Microsoft applications :Excel/Word/PowerPoint
