Commercial Banking Portfolio Manager

• Research complex credit investigations and diverse credit information for loans
• Identify opportunity for process improvements within scope of responsibilities or functional area
• Review and identify basic operational assignments that require research, evaluation, and selection of alternatives while exercising independent judgement to guide medium risk deliverables
• Present recommendations for resolving complex situations and exercise independent judgement while developing expertise in the function, policies, procedures, and compliance requirements
• Collaborate and consult with functional colleagues, internal partners, and stakeholders including internal as well as external customers
• Support the Credit Underwriting and Portfolio Monitoring processes to ensure adherence to applicable credit policies and procedures
• Provide secondary credit review and detective control of credit policies and associated process-related procedures for the line of business loan portfolio
• Seek opportunities to recommend process improvement in support of the risk management priorities of the bank
• Perform reviews of credit reports prepared by credit underwriting teams and support oversight of related loan data
• Review and validate the accuracy in financial analysis for commercial loans
• Summarize errors and outline areas of risk from reviewing the credit underwriting details
• Accurately identify applicable credit policy exceptions by reviewing the credit documents
• Surface and escalate risk often identified from inadequate or failed processes, and error trends
• Clarify and credibly challenges in case of ambiguity or deviation to the policy and procedures
• Document and synthesize findings based on above mentioned conclusions into a report presented to credit underwriting team
• As needed, participate and provide SME expertise for business initiatives
• Understand the feedback received from the senior reviewers in the team and implement the same in their day-to-day work
• Quality-check the work performed by junior team members and provide appropriate feedback on the same

2+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics
• 2 years of overall commercial credit experience across diversified asset classes (includes corporate entities and real estate asset class)
• Sound knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance)
• Strong communication skills
• Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources
• Intermediary to advanced excel skills would be a plus