Job Description:
Documentation Review & Portfolio Monitoring
- Review credit documentation for completeness, accuracy, and compliance with approved credit terms
- Conduct periodic reviews of Commercial Banking credit portfolios to assess portfolio credit health, documentation completeness, and policy compliance
- Monitor key risk indicators (KRIs), covenant compliance, and early warning signals across client segments
- Validate portfolio data accuracy and ensure alignment with approved credit terms and conditions
Compliance & Risk Management
- Monitor adherence to internal credit policies and external regulatory requirements
- Identify and monitor documentation gaps, escalate issues and emerging risks to relevant stakeholders
Process Optimization
- Assist in initiatives to digitize and automate documentation workflows, reducing manual errors and improving turnaround times
- Monitor industry trends and regulatory developments to proactively adapt and improve portfolio management practices
- Monitor the turn-around-time for each stage of the end-to-end process, and tracking mechanisms necessary to ensure adherence
- Deep-dive and provide actionable insights on overall CMBS portfolio
Audit & Reporting
- Support internal and external audits by providing portfolio insights, documentation and responding to queries
- Maintain accurate records and generate periodic reports on documentation status and exceptions
- Prepare regular portfolio assurance reports highlighting trends, exceptions, and risk concentrations
Stakeholder Engagement
- Partner with Relationship Managers, Credit Analysts, Legal, and Operations to ensure documentation is fit-for-purpose and aligned with client needs
- Provide subject matter expertise and training to internal teams on documentation standards and regulatory changes
Requirements
- Bachelor's degree in Finance, Business, Law, or related discipline
- Minimum 5 years of experience in credit documentation, credit operations, or risk assurance
- Strong understanding of credit products, lending processes, and regulatory requirements
- Understanding of commercial banking products, credit structures, and portfolio dynamics
- Knowledge of credit documentation standards and covenant monitoring
- Technical understanding of Credit documentation and end to end process
- Strong analytical skill and eye for detail
- Good communication and interpersonal skills
- Independent, versatile and able to perform under pressure
- Knowledge of Commercial Banking business practices, processes and procedures
- Experience with digital documentation platforms and data governance tools
- Good communication skills, written and spoken with the ability to communicate at all levels
