Credit Analyst

Work Level

Core

Leadership

Role

Industry Type

Function

Key Skills

Education

Note: This is a requirement for one of the Workassist Hiring Partner.

Primary Responsibility:

Provides credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment. Review of credit proposals originating from Western region to highlight info gaps, key risk issues not adequately addressed. Portfolio monitoring / tracking & escalation of adverse new events in company / industry. Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner. Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the SME segment.

1. To assist the Credit Approvers in establishing credit controls and procedures for SME branches in Western region and help the Business Lines grow, such that the business runs seamlessly, within target NPL.
2. To actively evaluate lending proposals for customers of Western region including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible.
3. Approve judiciously as and when DOA is granted.
4. To use credit analysis techniques, which highlight all significant risks in relation to a lending proposition, for evaluation and recommendation of the proposals in SME segment.
5. To have a sound knowledge of the Indian market in terms of risks associated with industries, companies and products.
6. To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.
7. To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.

Company Description

Workassist is an online recruitment and employment solution platform based in Lucknow, India. We provide relevant profiles to employers and connect job seekers with the best opportunities across various industries. With a network of over 10,000+ recruiters, we help employers recruit talented individuals from sectors such as Banking & Finance, Consulting, Sales & Marketing, HR, IT, Operations, and Legal.

We have adapted to the new normal and strive to provide a seamless job search experience for job seekers worldwide. Our goal is to enhance the job seeking experience by leveraging technology and matching job seekers with the right employers.

For a seamless job search experience, visit our website: https://bit.ly/3QBfBU2

(Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well).

So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, don't hesitate to apply today. We are waiting for you!