Sr Analyst - Credit Administration

Job Responsibilities

1)    Preparation of sanction Letter and loan /security documents in line with approved terms

2)    Checking of loan and security documents (Draft and Executed)

3)    Tracking of pending documents and covenants

Documentation and Limit Control

Credit Risk Management-

6)    Application of learning on day-to-day assignments for various products offering of the Bank.

Emphasis on timely delivery without compromising on credit quality and due diligence - Ensuring timely   Deliverables.

Leveraging the potential of available Systems for monitoring-

Contribution to arriving at error free environment -

Credit Limit-

10) Compliance with local and global compliance requirement - Sacrosanct understanding of local and HO requirement relating to compliance activity in delivering business & productivity goals.

11) Audit function (concurrent / RBI)- Performing the functions in line with the audit requirements without any slippages and deficiencies (minimizing the finding and addressing the same).

Loan Documentation Control-

Credit Monitoring (compliance) & Due Date Monitoring including overdue

Limit Loading

Making effective usage of APTD learning platform-

MIS for portfolio Management, RBI and other internal & external reporting

17)

a)    Monitoring Stock Statement (inventory & receivable statement) of borrowers availing working capital facilities on monthly basis                                                                           

b)    Due Date monitoring of stock statement, insurance, loan documentation etc.

Outsourcing Vendors

Maintaining Collateral data

Monitoring of due End Use Certificate and Acknowledgment of Debt

Assisting Risk Control, Operations and other Internal teams

, Loading of limits on various

Computation of Drawing Power (DP)

exchange of information

Knowledge, Skills, Experience & Qualifications

1)    The proposed candidate should have sound knowledge of companies act and loan documentation .

2)    Knowledge of Microsoft excel is must.

3)    Should have good communication skills

4)    Should have good drafting skills

5)    Chartered Accountant/Company Secretary/ MBA. LLB Qualification would be significant plus.

6)    JAIIB/CAIIB

Should have experience between 4-6 years in Wholesale banking Credit Administration.

Purpose of the position

·     Performing 1st Level check (maker)

a)    Checking Loan Documentation and security documents (Draft and executed).

b)    Registration of limits and Collateral in system post completion of documentation

c)    Tracking of pending documentation, covenants, Stock Statement Etc.

d)    Updation of Collateral in system

e)    Drawing Power calculation etc 

·       Preparation of various Internal reports /MIS for submission to internal stakeholders as well as External (RBI/ Statutory Auditors etc)

·       Lodgment and filing of loan documents post limit loading