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Team Lead - Credit Analyst - Business Banking

Team Lead - Credit Analyst - Business Banking

Skillventory

8 - 13 years

13 - 23 Lacs

bengaluru

Posted:1 hour ago| Platform:

Apply

Skills Required

business banking appraisal credit proposal underwriting bbg sme banking credit analyst senior credit analyst sme working capital credit manager msme

Work Mode

Work from Office

Job Type

Full Time

Job Description

• Credit appraisal of prospective for SME a clients for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc.

• It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

• Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals

within Banks credit guidelines, Credit Programs and customers requirement.

• Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or

signs of stress and taking appropriate steps to mitigate risks.

• Performing detailed credit and background reference checks on all prospective for SME FI Clients.

• Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.

• Joint monitoring of portfolio with account relationship team based on early warning systems.

• Preparing Risk/ Rating sheets making recommendations to approving committees.

• Approving cases within delegated powers.

• Monitoring of portfolio on ongoing basis for early warning signals

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Team Lead - Credit Analyst - Business Banking

Experience & Salary

Skills Required

Work Mode

Job Type

Job Description

• Credit appraisal of prospective for SME a clients for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc.

• It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

• Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals

within Banks credit guidelines, Credit Programs and customers requirement.

• Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or

signs of stress and taking appropriate steps to mitigate risks.

• Performing detailed credit and background reference checks on all prospective for SME FI Clients.

• Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.

• Joint monitoring of portfolio with account relationship team based on early warning systems.

• Preparing Risk/ Rating sheets making recommendations to approving committees.

• Approving cases within delegated powers.

• Monitoring of portfolio on ongoing basis for early warning signals

More Jobs at Skillventory