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Karur Vysya Bank
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Credit Analyst - BBU (CO)

Credit Analyst - BBU (CO)

Karur Vysya Bank

3 - 6 years

5 - 8 Lacs

Karur

Posted:1 week ago| Platform:

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Skills Required

financial analysis risk management risk assessment financial ratios balance sheet due diligence commercial banking credit analysis policies credit appraisal accounting co credit notes underwriting valuation balance sanction compliance credit policy risk cash flow finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

To assess, analyze, and appraise credit proposals in the 5 Crore to 25 Crore range for commercial banking clients, ensuring sound credit decisions that balance business growth with risk management principles. The role involves detailed financial analysis, risk identification, and preparation of credit notes in line with the bank’s credit policy and regulatory guidelines. Submission of control returns.

Roles and Responsibilities

Evaluate and appraise credit proposals of 5 Crore to 25 Crore from commercial banking clients across sectors.
Conduct detailed financial analysis including review of balance sheets, profit & loss accounts, cash flows, and key financial ratios, auditor reports, tax audit reports, GST returns, IT returns, Valuation reports, Deduping
Perform due diligence on borrower background, industry trends, and business models to assess risks and mitigation strategies.
Structure credit facilities (fund-based and non-fund-based) ensuring alignment with bank’s credit guidelines and regulatory guidelines
Prepare comprehensive credit appraisal memos / notes for sanctioning authorities.
Interact with relationship managers, clients, and other stakeholders for clarifications and additional information.
Monitor existing portfolio health through periodic reviews, early warning signals, and recommend appropriate actions.
Ensure compliance with internal policies, regulatory norms (RBI guidelines), and audit requirements.
Maintain quality of the loan book through prudent risk assessment and adherence to turnaround timelines.
Submission of periodical review notes and control returns.

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Banking and Financial Services

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Credit Analyst - BBU (CO)