Bharat Banking: Credit Analyst

About Bharat Banking The increasing income diversification evolution of the tech stack various government schemes to improve livelihoods and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban RUSU or Bharat markets To better capitalize on the growth runway and open the world of possibilities for the Bharat customer the bank has set up a separate Bharat Bank vertical It is an amalgamation of products and geography handling certain core products across the country and all the products in the RUSU branches The objective is to accelerate the growth journey by expanding distribution reach via branches partnerships and digital presence creating tailored products and processes and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer The Bank also continues to focus on growing the book profitably by enhancing productivity improving operational efficiency to reduce cost and containing risk by leveraging technology such as AI and ML rigorous portfolio monitoring About the Role The Credit Analyst will manage the credit activities processes for the B2B Wholesale Credit vertical for designated location Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes and guidelines as designed by the bank Key Responsibilities Preparing sanction notes for Agri High Value PSL cases SCF schemes and Bharat SCF cases to ensure maintenance of desired proposal quality assess creditworthiness of customers and accordingly take decision to sanction or recommend for approval to higher authorities Analysis of financial statements company background and other related quantitative and qualitative Assign Internal rating to clients through Internal Rating Model accordingly run revenue calculation score based on internal model and suggest risk based loan pricing for the proposed deal Suggest appropriate measures covenants and deal structures to the Sanctioning Authority as Risk mitigants Interaction with all NTB ETB cases along with Relationship Team in order to understand the business model and highlight key risks factors and mitigants to make the case bankable Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages towards delinquencies and detect early warning signals to be acted upon Ensure timely completion of limit renewals of the existing cases Understanding trade transaction requests made by client and providing credit approvals to execute the transaction Coordinating with Audit Compliance and operations for resolution of queries and documentations Qualifications Optimal qualification for success on the job is Graduation Post- Graduation MBA CA preferred not mandatory Minimum 2-5 years of relevant work experience Preferred experience in Credit vertical with expertise in CAM preparation for SME Agri Corporate borrowers Role Proficiencies For successful execution of the job the candidate should possess the following Knowledge of industry Good communication both verbal and written skill Ability to handle pressure and meet deadlines 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