Credit Analyst - Construction Finance

The Business Credit Analyst plays a crucial role in the Construction Finance Business by conducting thorough analysis of proposals to facilitate informed credit decisions. It is imperative for the analyst to ensure all necessary information required for credit decision-making is included in the proposal. Additionally, adherence to credit policy norms, RBI regulations, and statutory regulations is a key responsibility. Maintaining the prescribed Turnaround Time (TAT) during the credit appraisal process is essential for the analyst. Staying updated on economic changes, industry sectors, and collaborating with the sales team and RMG to expedite decision-making processes are also part of the job scope. The analyst must possess market intelligence, understand competition best practices, and recommend enhancements to existing products, policies, and processes. Generating various Management Information Systems (MIS) and Early Warning Signals (EWS) for monitoring the portfolio from risk and compliance perspectives is a critical aspect of the role. The analyst faces challenges such as coordinating cross-functionally to ensure prompt approval of credit proposals, staying informed about economic and sectoral changes, enhancing TAT, fostering seamless coordination with internal and external entities, and contributing to new product development. The ideal candidate for this position should demonstrate strong analytical abilities, evaluation skills, attention to detail, decision-making capabilities, initiative, target orientation, and market intelligence acquired through a robust industry network. Educational qualifications include being a Chartered Accountant or an MBA with a minimum of 2-4 years of experience in credit and risk functions within Banks/NBFCs. This position is offered on a Full-time, Permanent basis with benefits including health insurance and Provident Fund. Job Type: Full-time, Permanent Work Location: In person Application Question(s): On what product will you be working Experience: Total 2 years (Required),