Portfolio Manager - Pre & Post Sanction

Job Description

Pre and Post Sanction Credit Analyst (Operations) Job Overview: The Pre and Post Sanction Credit Analyst is responsible for managing both the pre-approval and post-approval stages of the credit process. This role involves conducting thorough credit analysis, evaluating risk factors, ensuring compliance, and monitoring the credit lifecycle from application to post-sanction monitoring. The analyst plays a critical role in supporting the company s lending decisions by assessing the financial viability and risk of potential borrowers, as well as ensuring adherence to credit policies and regulatory standards after credit has been approved. Key Responsibilities: Pre-Sanction Responsibilities: Credit Assessment: Review and analyze loan or credit applications to evaluate the creditworthiness of potential borrowers. This includes scrutinizing financial statements, credit reports, business plans (for commercial clients), and other relevant documentation. Due Diligence: Perform thorough due diligence by verifying applicant information, including employment verification, property appraisals (for mortgages), secured and unsecured lending and the authenticity of financial documents. Conduct PD (CPV) report Decision Support: Provide recommendations to management and the credit committee based on a detailed risk analysis, ensuring that credit decisions align with company policies and regulatory requirements. Post-Sanction Responsibilities: Loan Documentation: Ensure that all necessary documentation (loan agreements, security documents, etc.) is collected, reviewed, and accurately processed before disbursement. Risk Management: Continuously assess post-sanction risks and proactively address any issues related to payment delays, defaults, or any other concerns that may affect the loan s performance. Portfolio Review: Conduct periodic reviews of the credit portfolio to identify any emerging risks, changes in borrower circumstances, or industry shifts that may affect the creditworthiness of borrowers. Restructuring Modifications: In cases of financial distress or non-compliance, assess the need for loan restructuring, and propose modifications to the loan agreement in consultation with relevant departments. Client Relations: Maintain regular communication with clients after the loan is sanctioned to ensure that they are informed of any changes or issues. Address borrower queries related to repayment or credit terms. Collections Support: In the event of defaults or delinquencies, work with collections teams to support recovery efforts, while ensuring that collection practices comply with internal policies and legal requirements. Qualifications: Education: A Bachelor s degree in finance, accounting, economics, or a related field. A master s degree or professional certification (e.g., CFA, FRM) is a plus. Experience: Minimum of 3 years of experience in credit analysis, risk management, or a similar role. Prior experience in pre and post-sanction credit management, banking, or financial institutions is preferred. Skills Abilities: Strong analytical and problem-solving skills. Ability to assess credit risk and determine appropriate terms and conditions. Knowledge of financial statements, credit reports, and financial modeling. Familiarity with credit underwriting processes and loan structures. Proficiency in credit analysis tools, financial software, and Microsoft Office Suite. Strong attention to detail and accuracy in processing and analyzing credit information. Effective communication skills for both client interaction and internal reporting. Ability to manage multiple tasks and prioritize effectively in a fast-paced environment. Strong understanding of regulatory requirements and lending practices. Certifications (Optional): Certifications such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.