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 Bank’s 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

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