Credit Analyst

Teamware Solutions

3 - 5 years

8 - 15 Lacs

Mumbai

Posted:5 months ago| Platform:

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Skills Required

Credit Analysis Credit Appraisal Credit Risk Analysis

Work Mode

Work from Office

Job Type

Full Time

Job Description

Role & responsibilities

Direct Responsibilities

Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis inline with the bank policies, including analysis of financial statements, industry, economic dataand identification, analysis and presentation of all key risks.
Proposing to the credit committee appropriate ratings & GRR, using internal tools and CreditAnalysts judgment.
Ensure that annual review / transactions deadlines are met.
Perform portfolio reviews, periodic covenant checks, and security monitoring as required inline with approval conditions of respective files.
Communicate reliably and professionally with both internal and external clients.
Liaison with different mtiers and various BNP Paribas networks to share client information,ensure smooth and timely credit process to ensure that global reviews are properly and timelyexecuted and to minimize overdue files in collaboration with Relationship Managers(coordination role)
Monitor clients credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regularcompliance checks on financial covenants change in ratings or any major event or materialevolution.

Contributing Responsibilities

Presentation of credit proposals to local credit committees.
Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit.
Participation in discussions and on potential deals.
Keep updated on credit policies / methodologies
contribution to relevant credit projects (tools, process, methodologies including participation to tests).

To contribute to any other portfolio or credit administrative and statistical works as require

such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes.
Supporting team members to maximize the efficiency and effectiveness of the team.
Assist the Head and team Lead of CTCM on ad hoc basis as required.
Provide back-up on tasks performed by CTCM team when necessary.
Contribute to the Permanent Control framework.

Preferred candidate profile

Perks and benefits

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