Prepare credit risk vetting reports for corporate, project finance, and real estate proposals. Analyze financial statements, validate internal credit ratings, assess borrower and product risks, and recommend lending decisions. Develop financial models, support credit risk model enhancements, monitor regulatory and lending policy changes, revise loan policies, and calculate periodic RAROC. The role also provides policy inputs to credit and product evaluation committees.
The role is responsible for preparing and issuing credit risk vetting report for large and mid corporate proposals, including project finance/real estate proposals within allowed TAT to enable business and processing team to put up loan proposals for sanction. The role is also responsible for providing key policy inputs and proposing policy changes for the loan policy, in line with evolving regulatory and business requirements
- Analyze financial statements and credit proposals for new, modified, and refinancing requests.
- Validate Internal Credit Risk Ratings in line with CRM policy.
- Prepare risk-vetting reports and submit recommendations to Lead Credit Risk/Head Credit Risk.
- Review rating outlooks of high-value borrowers and highlight key risks in proposals.
- Support enhancement of credit risk models and rating accuracy.
- Stay updated on lending policies and regulatory requirements.
- Develop financial models and spreadsheets for credit assessment.
- Review and revise loan policies using portfolio analysis and evolving business/regulatory needs.
- Assess credit risks in new and existing products and provide inputs to the Product Evaluation Committee.
- Compute periodic RAROC and update the RAROC framework as required.
Experience: 12 to 14 years
Qualifications: Graduate (Any)/MBA preferred
CSB Bank Mumbai, Maharashtra, IND Office
CSB Bank Limited Mumbai Office, Siroya Center, 1st, 2nd and 3rd Floor, Sahar Airport Road, Andheri East, Mumbai, Maharashtra, India, 400099
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