Manager Credit / Monitoring

As a Credit Analyst with up to 4 years of experience in Banking/NBFC, your role will involve developing and preparing spreadsheets and models to support the analysis of new and existing credit applications. You will be responsible for conducting a thorough analysis of financial statements, project documents, etc., and assessing credit requests, including new requests, modification requests, refinancing, and periodic due diligence. Your key responsibilities will include preparing credit approval memoranda, including recommendations tied to the analysis and assessment of credit risk, as well as initiating credit risk ratings for new and existing credit accounts. You will need to address queries from the Risk Team to facilitate timely assignment of risk ratings and risk reports. Additionally, you will be required to present your analysis, findings, and recommendations to supervisors and keep up to date with the company's lending policies. Collaboration with other departments for the smooth flow of information related to the credit function and ensuring smooth disbursements will be essential aspects of your role. You will also be responsible for identifying potential weaknesses in existing credit accounts and taking steps for timely resolution. It will be crucial for you to ensure the smooth submission of information to the Board/Board committees regarding credit function matters. Furthermore, you should possess strong financial modeling skills, an understanding of regulatory guidelines, excellent analytical skills, and an impeccable understanding of financial statements, ratios, and concepts. Attention to detail and the ability to notice discrepancies in data, along with proficiency in MS Office and general computer use, are essential. You should be able to work under tight timelines in a competitive environment, exhibit strong teamwork skills, and have excellent verbal, written communication, and presentation abilities.,