Expert Financial Risk Manager

1 day ago


Kannur, Kerala, India beBeeCredit Full time ₹ 21,69,600 - ₹ 24,34,400
Senior Credit Analyst

As a Senior Credit Analyst, you will play a critical role in managing the bank's risk effectively. Your responsibilities will include:

  • Conducting thorough due diligence on large corporate customers through financial analysis and business model review.
  • Developing and maintaining cash flow-based excel models to analyze cash flows and working capital.
  • Reviewing annual reports, borrower/promoter background, and term sheets/sanction letters to suggest terms for both fund-based and non-fund-based products.
  • Reviewing credit notes and guiding teams in analysis and decision-making.
  • Interacting with various stakeholders (internal and external) for review of such customers.
  • Assigning internal ratings to customers and reviewing early warning triggers.

The ideal candidate will possess strong analytical skills, stay up-to-date with industry dynamics and changing environments, and adhere to the bank's internal policy and procedures.

Core Competencies:

Assessment of credit proposals, review of cases as per credit policy parameters, documentation check, analysis of observations for necessary correction in credit appraisal.

Preparation of CAM/reports highlighting the quality of information to support senior-level decision-making.

Monitoring delinquency, exceptions, portfolio movement, and maintaining data required by senior management.

Familiarity with banking products, policies, and loans, with a focus on SME loan products.


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