Manager - Credit & Syndications

Responsibilities

• Generation and sourcing of business leads for the branch and to achieve the budgeted growth in advance and income level set in Halogen by active marketing.
• Attend road shows arranged for various companies (both India Based and Local entities), subsequent follow up with other MLABs and participants related to syndicated loans
• Preliminary scrutiny of credit proposal based on deal details.
• Responsible for preparation of appraisal memorandum of a borrower entity.
• Classification of various items of P&L, balance sheet of the borrowing entities as per Bank’s instructions and the applicable accounting standards and preparation of CMA
• Analyze financial statements and credit profile including industry and management parameters to determine the degree of risk involved in extending credit or lending money.
• Preparation of credit applications and annual credit reviews involving 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 opinion reports.
• Compare liquidity, profitability, and credit histories of establishments in the same industries and geographic locations.
• Analyze and provide input on loan policy issues and credit structures, ensuring that the final credit proposal to be presented is mutually acceptable.
• Appraise, process loan deals emanating through origination, participation, and sub participation, secondary market deals - for sanction by respective authority.
• Credit Risk Assessment borrower wise/guarantor-wise and facility wise to ensure correct classification of financial data.
• Carry out timely Annual Review/Renewal of all loans.
• Recommend for amendments in the Facility terms as sought by the borrower(s) and /or other banks in accordance with laid down norms.
• Carry out the KYC due diligence on the borrower, directors, other officials as required by the KYC policy of SBISingapore.
• Prepare and submit control report and Action Taken Report on the observations/ conditions, stipulated by the sanctioning/ reviewing authority
• Monitoring the collection, distribution and sharing of fee amongst various stakeholders.
• Attending to Internal and External Audits including our Inspection & Audit Department (IAD) and ensuring their timely remarks/compliances.
• 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.
• Preparation of Monthly Reports/ Slides for monthly / quarterly branch / IBG review meetings.

• Qualification Degree or equivalent, preference will be given to those who have done courses related to Banking preference will be given for applicants with professional qualifications viz., CA, FCA, MBA /MSc (Finance) and/or relevant Financial certifications
• Minimum Banking experience of 3 years ideally in the fields of Credit
• Strong understanding of financial compliance
• Sound knowledge of banking systems/ processes/ procedures
• Sound Knowledge of commercial credit products
• Good managerial skills and analytical mind-set
• Dynamic personality to work with the team and provide guidance to others.
• Good management skills and analytical mindset one who can effectively analyse a situation and make decisions to address issues/problem.
• Excellent communication and interpersonal skills with the ability to interact with all levels of staff and top management