Team Lead - Credit Analyst - Business Banking

Responsibilities:

• Conduct credit appraisal of prospective SME clients for fund-based exposures such as Working Capital, Overdraft, Cash Credit, Term Loan, etc., and non-fund based exposures like Letter of Credit and Bank Guarantee.
• Prepare detailed proposal notes and ensure timely clearance from credit sanctioning committees.
• Meet clients to evaluate their requirements and market conditions; structure proposals/deals adhering to the bank's credit guidelines, credit programs, and client needs.
• Monitor economic and industry developments along with financial parameters of clients to detect potential risk triggers or stress signs and take appropriate mitigating actions.
• Perform detailed credit and background reference checks on all prospective SME FI clients.
• Present credit proposals to sanctioning committees to obtain sanction and approval as per bank policies.
• Jointly monitor portfolio health with account relationship teams based on early warning systems.
• Prepare risk and rating sheets, making informed recommendations to approving committees.
• Approve credit cases within delegated authority limits.
• Continuously monitor the portfolio for early warning signals to proactively manage risks.

Skills Required:

• Credit appraisal and analysis
• Risk assessment and mitigation
• Financial statement analysis
• Proposal writing and presentation
• Knowledge of fund-based and non-fund-based banking products
• Client relationship management
• Market and industry research
• Strong analytical and decision-making skills
• Communication and interpersonal skills
• Ability to work with sanctioning committees and internal teams
• Knowledge of banking policies and regulatory guidelines