7.0 - 10.0 years

18 - 20 Lacs

Mumbai, Goregaon

Hybrid

Position Purpose: The Credit Analyst is responsible for conducting comprehensive credit analysis and formulating recommendations on corporate advances to multinational corporations (MNCs). The role aims to ensure robust risk management while supporting business growth, by minimizing credit losses and enhancing credit quality in line with internal policies and regulatory requirements. Key Responsibilities 1. Credit Analysis & Proposal Preparation Prepare in-depth, accurate, and concise credit proposals that align with bank policies. Analyze financial statements, economic indicators, and industry trends to identify key risks and opportunities. Recommend appropriate internal credit ratings and Global Recovery Rates (GRR) using analytical tools and judgment. 2. Credit Risk Monitoring & Portfolio Management Monitor and review existing credit exposures through annual reviews, covenant checks, portfolio reviews, and security monitoring. Identify and report early warning signals, including changes in financials, covenants, or external events affecting client creditworthiness. Ensure timely updates of financial spreadsheets and monitoring tools. 3. Coordination & Communication Liaise with Relationship Managers, internal stakeholders, and global BNP Paribas networks to ensure efficient credit processes and timely execution of global reviews. Facilitate smooth credit operations and minimize overdue files through proactive coordination. 4. Client & Committee Engagement Present credit proposals to local credit committees. Accompany Relationship Managers on client meetings where necessary to gain a deeper understanding of client businesses and risks. Participate in deal structuring and discussion forums. 5. Compliance & Controls Ensure adherence to internal credit policies, regulatory requirements, and risk governance frameworks. Respond to regulatory and internal audit queries pertaining to credit-related matters. Contribute to the banks Permanent Control framework and support audits and reviews. 6. Additional Contributions Stay updated with evolving credit policies, tools, and methodologies. Participate in credit-related projects and system enhancements. Support administrative tasks including statistical reporting, sector analysis, and watchlist tracking. Provide back-up support to team members and assist Team Lead/Head with ad hoc requirements. Key Technical Competencies Strong financial statement analysis Credit risk assessment and transaction structuring Knowledge of industry sectors and financial products Risk monitoring and portfolio management Excellent written communication and report writing Proficient in Microsoft Office (Excel, PowerPoint, Word) Key Behavioral Competencies Strong analytical and critical thinking skills High attention to detail and organizational ability Ability to manage multiple priorities under pressure Good interpersonal and communication skills Collaborative and team-oriented mindset Independent thinker with sound judgment and creativity Adaptability to changing environments and priorities Compliance Requirements Familiarity with regulatory credit frameworks and guidelines Ensure compliance with internal policies and external regulatory standards ** Interested candidates drop your resume to saarumathi.r@kiya.ai **

Posted 1 day ago

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Regional Credit Manager-Personal Loan (Chennai) Yes Bank

8 - 13 years

10 - 16 Lacs

Chennai

Work from Office

CHIEF RESPONSIBILITIES Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hindsight and Internal audit observations. Conduct monthly Regional Council Meetings with all the stakeholders. Strategic Managerial Responsibilities: Discussion of observations with Seniors ZCH/ National Credit Manager and Chief Credit Officer • Assessment of Credit Proposal / Case for his respective location / region • Presentation of key observations to Senior Management on periodic basis • Managing a team & drive the results/ goals set for self & Team. Core Responsibilities: Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level. • Monitoring of delinquency, exceptions, portfolio movement. • Maintaining data as required by the Senior Management People Management: Active participation in process re-engineering related to product / process • Collaborate with business, OSD & Policy team for any change in the process/policy. • Self-driven, goal oriented & dynamic in nature.

Posted 2 months ago

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