Area Credit Manager - Emerging Corporate - Credit Appraisal

As a Credit Analyst, your role involves conducting credit analysis of proposals and preparing credit notes to facilitate faster deal closures. You will play a key role in deal structuring and credit enhancement, ensuring a balance between business growth and portfolio quality. Meeting new and existing customers regularly is essential, along with monitoring the portfolio to identify any stress accounts and initiate corrective measures promptly. Your key responsibilities will include: - Conducting quality credit underwriting - Monitoring portfolio performance in terms of delinquencies, deferrals, annual reviews, and renewals - Regularly monitoring the portfolio to identify early warning signals and take necessary actions - Developing market intelligence by interacting with competitors, key business groups, CA firms, etc. - Raising early warning signals for stressed accounts and ensuring timely exit measures - Minimizing audit queries, including RBI and statutory audits, and resolving them within prescribed timelines Qualifications required for this role include: - Strong background in credit analysis and underwriting - Knowledge of financial markets and products - Excellent communication and interpersonal skills - Ability to multitask and work under pressure - Proficiency in MS Office and other relevant software This job will provide you with the opportunity to contribute significantly to the growth and quality of the credit portfolio while also developing market insights and ensuring compliance with regulatory requirements.,