Area Credit Manager - Emerging Corporate - Credit Appraisal

Role Overview: As a Credit Analyst, you will be responsible for conducting credit analysis of proposals, preparing credit notes, and playing a crucial role in deal structuring and credit enhancement. Your main focus will be on maintaining a balance between business growth and portfolio quality. It is essential to meet new and existing customers regularly and monitor the portfolio to identify stress accounts and take corrective measures promptly. Key Responsibilities: - Conducting quality credit underwriting - Monitoring portfolio performance including delinquencies, deferrals, annual reviews, and renewals - Identifying early warning signals in the portfolio and taking necessary actions - Developing market intelligence by engaging with competitors, key business groups, CA firms, etc. - Raising early warning signals for stressed accounts and ensuring timely exit measures - Resolving audit queries, including RBI and statutory audits, within prescribed timelines Qualifications Required: - 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 Please note that this job offers the opportunity to significantly contribute to the growth and quality of the credit portfolio, develop market insights, and ensure compliance with regulatory requirements. Role Overview: As a Credit Analyst, you will be responsible for conducting credit analysis of proposals, preparing credit notes, and playing a crucial role in deal structuring and credit enhancement. Your main focus will be on maintaining a balance between business growth and portfolio quality. It is essential to meet new and existing customers regularly and monitor the portfolio to identify stress accounts and take corrective measures promptly. Key Responsibilities: - Conducting quality credit underwriting - Monitoring portfolio performance including delinquencies, deferrals, annual reviews, and renewals - Identifying early warning signals in the portfolio and taking necessary actions - Developing market intelligence by engaging with competitors, key business groups, CA firms, etc. - Raising early warning signals for stressed accounts and ensuring timely exit measures - Resolving audit queries, including RBI and statutory audits, within prescribed timelines Qualifications Required: - 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 Please note that this job offers the opportunity to significantly contribute to the growth and quality of the credit portfolio, develop market insights, and ensure compliance with regulatory requirements.