RC & WC - Underwriting:Credit Analyst

• Ensure smooth functioning of the assigned Center by meeting required productivity norms within the desired Turn Around Time Approval Ratio as defined by the Bank
• Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency
• Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality
• Maintaining accurate and up to date MIS reports, Inspection monitoring of portfolios under various sub-segments to ensure maintece of a healthy portfolio
• Gather market intelligence with other ficial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
• Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
• Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme, compliance related matters, PSL classification etc
• Give timely feedback to CO team of policy, ZCM, NCM Head Credit on market developments, suggestions on improvement on Products, Policy and processes etc
• Ensuring vendor management consisting of panel valuers, advocates, PD agencies etc
• Ensuring periodic training to all stakeholders on products, policies and processes etc

Qualifications

• Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
• Experience of over 0 to 4 years in assessing funding of various products to MSME segment focusing on Wheels / Automobile Segment
• Role Proficiencies
• For successful execution of the job, the candidate should possess:
• Knowledge of credit, relevant industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Ability to handle pressure and meet deadlines