Ujjivan Small Finance Bank

3 days ago

Mumbai, India Ujjivan Small Finance Bank Limited Full time

Description:ROLE PURPOSE & OBJECTIVE:- This role prepares Credit assessment notes with detailed financial analysis for lending cases to various NBFCs and MFIs and presenting to Credit Committee.- The incumbent meets clients and completes due diligence exercise as part of Credit appraisal process.- Manage complete credit appraisal and due diligence on credit cases within defined TAT.- Proper maintenance of Credit files as per Internal guidelines and regulatory guidelines- Monitor portfolio assigned on regular basis and reporting any covenant breach/abnormal events to Management and suggesting remedial actions.- Manage quicker TAT for processing cases- Use Rating models to complete rating for all cases assigned- Monitor of portfolio assigned on regular basis, testing financial covenants and periodic review of assigned portfolio- Maintain timely review/renewal of all cases on due dates- Maintain all Credit files systematically and in compliance with all Internal and regulatory guidelinesRequired Skills & Qualifications:- Bachelors / Masters degree in Finance, Commerce, Accounting, Economics, or a related field.- 3-6 years of experience in credit appraisal, risk analysis, or financial due diligence, preferably in a bank, NBFC, or rating agency.- Strong understanding of financial statements, cash flow analysis, and ratio analysis.- Familiarity with credit rating methodologies and internal rating models.- Knowledge of RBI and NBFC regulatory frameworks.- Proficiency in MS Excel, PowerPoint, and financial modeling tools.- Excellent analytical, documentation, and communication skills.- Strong attention to detail with the ability to meet deadlines under pressure. (ref:iimjobs.com)

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