
Senior Credit Specialist
14 hours ago
Job Summary:
We are seeking a diligent Credit Analyst to join our team. The successful candidate will be responsible for efficient credit underwriting of proposals from non-banking financial companies (NBFCs) and finance institutions (FIGs). This includes maintaining a quality portfolio by diligently processing all credit proposals and post-disbursement credit control.
The role requires ensuring timely credit appraisals as per bank policy, with close coordination with other departments.
Key Responsibilities
- Conducting thorough CIBIL checks and internal deduplication as per process.
- Analyzing proposals received from the business/sales team and raising/resolving queries as appropriate.
- Preparing senior management meetings and branch visits to ensure effective credit appraisal.
- Preparing credit appraisal memos for term loans to NBFCs/FIGs, covering key aspects of management, financial, operational, portfolio reviews, and PAR analysis.
- Recommending loan amounts and presenting loan proposals to the credit committee.
- Preparing draft sanction letters covering all key conditions stipulated.
- Monitoring loan utilization and conducting periodic monitoring visits.
- Following up with delinquent clients, including assessing ongoing early warning signals.
- Performing any other work assigned from time to time.
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