Risk Officer
Current• Screening and analysing credit proposals by risk identification and recommending only such credit risk that is acceptable to IFCI, as per its extant policies and procedures.• Carrying out the Internal Rating of new and standard accounts.• Ensuring adherence to pre-sanction & post sanction compliances of loan proposals & monitoring.• Carrying out credit audit of disbursed cases to identify whether processes were followed, as per IFCI’s policies and to identify Early Warning Signal (EWS) in an account.• Carrying out Stress Testing (in line with BASEL norms and RBI guidelines)• Preparing Ensuring diversification of credit portfolio, by avoiding concentration in credit exposures to individual/group borrowers, Industry/Sector etc., well within the RBI/IFCI’s prudential exposure norms and taking proactive and corrective actions, in the event of a likely breach.• Preparing IFCI Benchmark Rate(IBR) and linking of pricing with credit risk. rating., based on RBI/Board approved policy.• Preparing/reviewing/Updating Internal Risk Management Policies on annual basis or earlier, if required. • Compliance of norms/guidelines/policies concerning credit risk management specified by RBI
