Credit and Risk Analyst

Role & responsibilities

Credit Assessment:
• Conduct thorough credit assessments for large Corporate clients, evaluating their financial stability, creditworthiness, and risk profile.Credit Analysis:• Analyze financial statements, credit reports, and other relevant data to make informed credit decisions.• Understand structure of the transaction and identify key risk and mitigants• Analyse group financial strength and weakness• Having deep understanding of various industries• Experience in managing various structure products like NCD, PTC, Promoter level funding, Sub Debt/PDI etcCredit Policy Adherence:• Ensure strict adherence to the company's credit policies/ procedures and RBI/SEBI Regulations and Company ActRisk Mitigation:• Develop strategies to mitigate credit risks and maintain a quality loan portfolio.Credit Approval:• Prepare and present credit proposals to the appropriate approval committees for large credit facilities.Monitoring:• Monitor the credit portfolio's performance, including credit reviews and risk assessments.• Identification of Early warning signals to earmark stress accounts and maintenance of portfolio hygiene.Documentation:• Review of credit documentation to ensure accuracy and completeness.Client Interaction:• Collaborate with clients to address credit-related inquiries and negotiate credit terms when necessary.Compliance:• Ensure compliance with all regulatory requirements, industry best practices, and internal policies.Portfolio Analysis:• Conduct portfolio analysis to identify trends, emerging risks, and opportunities for improvement.Process Improvement:• Identify areas for process improvement and implement enhancements to optimize efficiency and effectiveness.• Adoption of digital tools for automating credit related processes.Collaboration:• Collaborate with other departments, such as Sales and Risk Management, to ensure a cohesive approach to credit management.• .Compliance to statutory guidelines and audit complianceTo ensure various guidelines in force are adhered to and all queries/observations/discrepancies are duly addressed.