⇒ Develop and expand relationships with prospective business and individual clients who need assistance with commercial or personal loans. ⇒ Experienced in review of new loan requests from clients and business owners, including renewal of existing loans. Analyze financial statements, ratios, and creditworthiness, and communicate with clients to resolve credit-related issues. Adhere strictly to internal bank procedures and policies.⇒ Collaborate with… Show more ⇒ Develop and expand relationships with prospective business and individual clients who need assistance with commercial or personal loans. ⇒ Experienced in review of new loan requests from clients and business owners, including renewal of existing loans. Analyze financial statements, ratios, and creditworthiness, and communicate with clients to resolve credit-related issues. Adhere strictly to internal bank procedures and policies.⇒ Collaborate with cross-functional teams to devise strategies for achieving business targets. Advocate for a cluster approach to expanding the client base successfully.⇒ Execute various credit agreements as needed to facilitate smooth financing, ensuring compliance with relevant banking regulations and taking corrective action when necessary.⇒ Assess credit risks and devise mitigation strategies within the company's policy guidelines.⇒ Oversee the post-sanction implementation of loans, following the bank's systems and procedures. This includes preparing loan documents, disbursing loans, executing mortgages, and conducting visits to mortgage properties or company units.⇒ Handle various types of mortgages such as equitable and registered mortgages and ensure the perfection of securities.⇒ Ensure timely review of sanctioned loans, addressing all observations promptly.⇒ Conduct a detailed analysis of audited financial statements of corporations, evaluating the risk category of applicants, and conducting due diligence on external reports.⇒ Thoroughly review credit investigation reports and credit reports from agencies like Equifax and transunion CIBIL.⇒ Prepare financial data outlines to assist management in strategic planning and operational decision- making. ⇒ Utilize in-depth knowledge of KYC, KYP, CDD, Anti-Money Laundering, and other operational banking aspects gained during an interim period in operational banking. Show less