Bank Finance Business Development Professional

1 week ago


kochi, India beBeeFinance Full time

Financial Analyst - Bank Proposal SpecialistThe role of a Financial Analyst in the Bank Finance Division involves preparing client profiles, understanding business models, creating Comprehensive Market Analysis (CMA) data, ratio analysis, and coordinating with banks and clients for funding proposals.Key Responsibilities:Interact with SME and Corporate clients to understand their business model, project requirements, and funding needs.Prepare detailed CMA data, Debt Service Coverage Ratio (DSCR), Interest Cover Ratio (ICR), Turnover to Lease/TNW (TOL/TNW), Current Ratio, and other financial parameters.Create comprehensive client profiles and business summaries for banker presentation.Prepare project finance proposals for Greenfield and Brownfield projects, including cost of project, means of finance, implementation schedule, and revenue projections.Work on Lease Rental Discounting (LRD) and Real Estate project funding proposals.Coordinate with banks, Non-Banking Financial Companies (NBFCs), and clients to obtain pending documents, resolve queries, and ensure timely sanction and disbursement.Prepare and maintain Management Information System (MIS) trackers for each case – showing stage-wise progress, pendencies, and next actions.Assist in drafting sanction notes, renewal papers, credit justifications, and compliance reports.Required Skills and Qualifications:Excellent command over CMA preparation, project finance analysis, and ratio calculations (DSCR, ICR, TOL/TNW, Current Ratio).Working knowledge of Excel (Pivot Tables, Financial Formulas), Tally, and MS Word.Strong understanding of banking norms and credit appraisal processes.Good communication and follow-up discipline for dealing with clients and Relationship Managers (RMs).Ability to maintain accuracy, confidentiality, and high responsiveness in multi-case handling.Ideal Candidate:A finance professional who:Understands how banks assess Small and Medium Enterprise (SME) and Project Finance proposals.Can independently prepare CMA and ratio analysis.Communicates confidently with both clients and bank officials.Enjoys translating business data into structured funding presentations.



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