For the role of Senior Financial Advisor, the responsibilities include but are not limited to:

• Management & handling of potentially stressed and/or restructured portfolio being assigned in order to retain their quality in line with defined business policies.
• The prime responsibility is monitoring of Non-performing assets with a view to recovering such debts or satisfactorily closing such accounts or returning them back to Corporate. The overall objective is to minimize the losses and enhance recoveries for the Bank
• Negotiate restructure & recommend practical re-structuring solution in conformity with the Bank’s underwriting standards and risk adjusted targets after thorough analysis of cash flows & necessary information required for preparation of a detailed credit proposal.
• Maintain & manage existing group accounts falling within the potentially stressed portfolio, provide expertise for pro-active monitoring & management of watch-listed clients.
• Making regular visits to clients for negotiations, business monitoring purposes & recovery. Such visits to be recorded by way of updates to top management from time to time and as and when required.
• Upgrade problematic relationships and develop into ongoing creditworthy business relationships and Targets to exit problematic relationship through an orderly repayment plan
• Establish effective & professional communication (both internal and external) to ensure turnaround time within designated parameters and higher client satisfaction levels.
• Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle.
• Manage a team of Relationship Officers, set, agree and measure annual targets, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance reviews.
• Comply with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank
• Keep abreast of developments in the local business environment. Contribute to the planning process in order to develop corporate business strategies.
• Develop a strong level of local contacts with the local business and financial institutions community.