Area Credit Manager-Large Corporate-Credit Appraisal-Delhi

As a Credit Analyst, you will be responsible for preparing and amending notes and financial models with accurate information obtained from various sources such as the business team, public domain, or other resources. You will focus on assessing detailed transaction structures for credit notes, particularly for sought credit facilities. Regular interaction with collections and sales teams will be necessary to track delinquencies and analyze delinquent cases for insights to be shared with the team. Meeting with retail and strategic customers on a regular basis is essential to gain a deep understanding of various industries and markets. You will also be involved in pre-approving and rating clients with exposure exceeding Rs 500L, as well as conducting training sessions for sales, channel partners, and field sales staff on product policies and processes. Your role will include controlling and monitoring post-disbursement documents like invoices, insurance, and RC through interactions with sales teams and customers. Managing the portfolio to maintain the required quality of documentation, post-disbursal documents, and delinquency levels is a key responsibility. Additionally, you will work on projects and process improvements periodically. Financial analysis will be a crucial aspect of your job, requiring detailed examination of major movements in P&L and balance sheets to determine the precise reasons for such changes. You will be involved in preparing credit notes that outline transaction structures, credit views, risks, and mitigants, as well as conducting detailed financial appraisals covering business models, working capital cycles, and profitability. Developing market intelligence by engaging with individuals from other banks and financial institutions to understand their policies, focus areas, and portfolio health will be necessary. Identifying automation opportunities in existing processes and new product development will also be part of your responsibilities. Maintaining the quality of credit underwriting, raising early warning signals for stressed accounts, resolving audit queries within prescribed timelines, actively participating in customer visits, and providing regular market intelligence reports are additional tasks you will handle. Qualifications: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.,