Bhushan Joshi

Manager @Icici Bank Canada

Toronto, ON, CA

Constantly review the assigned portfolio to monitor the credit quality. Report the same to the Senior Manager, Credit Risk & CRO on regular basis.Carry out credit analysis of lending proposals including commercial and syndication loans.Provide research support to Senior Manager, Credit Risk & CRO on external developments (industry, sector trends, etc.) and their potential effects on the assigned portfolio.Liaise with internal audit, external audit and regulatory body as a point of contact on risk related matters.Manage all of the elements stipulated in the Enterprise Risk Management Framework, Expected Credit Loss Policy, Corporate and Commercial Credit and Recovery Policy. Provide assessments on the credit risk of local and cross border syndicated and bilateral loans.Vet and analyze credit and investment proposals thoroughly before presenting to the Rating Forum and Management Credit Committee (“MCC”), evaluate quality of credit applications by providing constructive feedback to the “line” managers and ensure application of guidelines as set by the MCC, the Board and regulators.Ensure periodic reviews, credit control and loan administration functions are performed efficiently and as when due, supported by effective monitoring and controls, including credit scoring models for various segments. Foster an environment of focused and proactive management of credit exposures. Stay current with financial analysis and risk profile of sectors with large concentration (e.g. real estate), borrowers and counterparties.Coach, mentor and develop a strong credit culture among commercial and corporate lenders.Coordinate within the department to prepare presentations for senior management, Board & regulators.