Senior Credit Analyst

CHIEF RESPONSIBILITIES

• Carry out due diligence for large corporate customers (large companies, listed/unlisted)
• In-depth financial analysis, business model review, management risk analysis
• Working on cashflow based excel models, Analyzing cashflows and WC
• Review of annual reports, borrower/promoter background
• Review of term sheets/sanction letters and suggest terms to be incorporated in the same for both fund based and non-fund based products
• Review of Credit notes and guide team in analysis, decision making
• Interaction with various stakeholders (internal and external) for review of such customers
• Review of internal rating of customers and assign rating
• Review Early warning triggers
• Prepare recommendation notes and recommend proposals to top management
• Involvement in Management level meetings/discussion
• Up-to-date with industry dynamics and changing environment
• Keep up to date with various RBI circulars critical from wholesale lending perspective
• Adherence to Bank internal policy, deviations to be reviewed adequately
• Being sensitives to Banks Business requirements
• Team player, handling resources
• Discussion of observations with Seniors RCH/ZCH/NCH
• 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
• Understanding Banking product , policies , loans. • To be conversant with SME Loan Products

Minimum Qualifications:

• CA/ MBA from a reputed institute

Exp:

Minimum of 6 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience:

Credit Evaluation in any Bank

Technical Competencies:

Financial Analysis and Market knowledge of industry segment