Bharat Banking:credit Analyst

Credit Analyst INTERNAL USAGE No of Vacancies Reports to Area Manager- Credit Analyst Is a Team leader N Team Size NA Grade AM DM Business Bharat Banking Department Bharat Enterprise Sub-Department Nano Business Location About This is new vertical in Bharat Banking-Bharat Enterprise This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh About the Role The Credit Analyst is responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano secured and un-secured business loan with ticket size between 1-20 Lakh The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank Key Responsibilities Customers assessment by visiting business residence and collateral place Meet customer to capture data points with regard to income based on business specific PD sheet Ensure the verification process is compiled within expected TAT with first time right approach Broad assessment of collateral w r to valuation and other parameters as per banks policy Conduct holistic and quality reference checks Ensure compliance w r to documentation and other policy guidance Manage early delinquencies to ensure portfolio performance Should have valid two wheeler driving licenses two wheeler and Smart phone preferably android9 IOS 9 and above Qualifications Optimal qualification for success on the job is Education Graduation Post Graduation Age Max 30 Year Experience 1-5 Years of experience in verification PD bases assessment of customer in Bank or NBFC for- Nano Micro Business Loans Small ticket LAP Self-employed PL AHL Good understanding of Micro Small unsecured Business loan Affordable housing or Small ticket LAP Role Proficiencies For successful execution of the job a candidate should possess the following Knowledge Good knowledge of field level operations and systems Experience in assessed business income is must Should have knowledge on Local market understanding Understanding on Bank statement Repayment record assessment Understanding of local market practices with regard to legal and valuation of property Skills Good communication both verbal written and inter-personal skills Time management Local language Abilities Ability to work effectively across functions Ability to work as a part of team and contribute towards team goals Ability to travel minimum 15- 20 days a month Skills Refer to the About Company Axis Bank is the third largest private sector bank in India The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates MSME Agriculture and Retail Businesses The Bank has a large footprint of 4 594 domestic branches including extension counters with 11 333 ATMs 5 710 cash recyclers spread across the country as on 31st March 2021 The Bank has 6 Virtual Centres and has over 1500 Virtual Relationship Managers as on 31st March 2021 The Overseas operations of the Bank are spread over eight international offices with branches at Singapore Dubai at DIFC and Gift City-IBU representative offices at Dhaka Dubai Abu Dhabi Sharjah and an Overseas subsidiary at London UK The international offices focus on Corporate Lending Trade Finance Syndication Investment Banking and Liability Businesses