Bharat Banking:Credit Analyst

About Bharat Banking

Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and rural markets The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channelAbout the RoleThe Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes and guidelines as designed by the bankPreparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or recommend for approval to higher authoritiesAnalysis of financial statements, company background and other related quantitative and qualitative)Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on internal model and suggest risk based loan pricing for the proposed dealSuggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigantsInteraction with all NTB/ETB cases along with Relationship Team in order to understand the business model and highlight key risks factors and mitigants to make the case bankableCo-ordinate with collections team for follow up and regularization of over-dues or other irregularitiesRegular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages towards delinquencies and detect early warning signals to be acted uponEnsure timely completion of limit renewals of the existing casesUnderstanding trade transaction requests made by client and providing credit approvals to execute the transactionCoordinating with Audit, Compliance, and operations for resolution of queries and documentationsQualificationsGraduation/ Post- Graduation (MBA/ CA preferred not mandatory)Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM preparation for SME/Agri/Corporate borrowers)Role ProficienciesKnowledge of industryGood communication (both verbal and written) skillAbility to handle pressure and meet deadlines