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Technical Manager

Actively Reviewing the Applications

YES BANK

India, Kerala, Kochi Full-Time

Posted 2 months ago

Job Description

Chief Responsibilities

Ensure quality Appraisal of credit for worthy borrowers.
Ensure timely credit and transaction approvals for delegation under self.
Follow up with seniors for credit / transaction approvals.
Managing loan portfolio with respect to credit rating/quality.
Identify de risk account / AL accounts.
Monitoring of Team TAT and Productivity.
Ensuring adherence to the credit policy and process.
Review of Delinquency
Review exceptions and approval for knocking.
Respond on the Hindsight and Internal audit observations
Conduct monthly Regional Council Meetings with all the stakeholders.

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

Discussion of observations with Seniors – ACH / RCH/ National Credit Manager and Chief Credit Officer
Assessment of Credit Proposal / Case for his respective location / region
Presentation of key observations to Senior Management on periodic basis
Managing a team & drive the results/ goals set for self & Team.

Core Responsibilities

Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level
Monitoring of delinquency, exceptions, portfolio movement.
Maintaining data as required by the Senior Management

People Management Or Self-Management Responsibilities

Active participation in process re-engineering related to product / process
Collaborate with business, OSD & Policy team for any change in the process/policy.
Self-driven, goal oriented & dynamic in nature.

Risk And Internal Control Responsibilities

Identify the gaps in the process & highlights to the Senior Management
Suggestion for changes in Policy

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Business Team

To interact with SM / ASM /RSM on day-to-day basis while cases assessment, monitoring delinquency

Policy Team

For clarification / guidelines as and when required

Key External Interactions

Purpose of Interaction

Customers

As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case