Senior Credit Analyst

2 weeks ago

Mumbai, India YES BANK Full time
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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