Establish Your Credit Expertise

6 days ago


Varanasi, Uttar Pradesh, India beBeeCreditAnalyst Full time ₹ 7,20,000 - ₹ 10,12,000
Job Overview
Credit analysts play a pivotal role in the financial sector by scrutinizing proposals from non-banking financial companies (NBFCs) and finance institutions (FIGs). The objective is to ensure these entities adhere to bank policy while maintaining high-quality portfolios through efficient processing of all credit proposals.

Key Responsibilities:
1. Conduct thorough credit underwriting, encompassing CIBIL checks and internal deduplication as per process guidelines.
2. Analyze received proposals, raise and resolve queries as necessary.
3. Engage in pre-appraisal senior management meetings and branch visits to discuss credit proposals.
4. Prepare comprehensive credit appraisal memos for term loans, covering key aspects of management, finance, operations, portfolio reviews, cash flows analysis, and more within acceptable timelines.
5. Recommend suitable loan amounts and present loan proposals to the credit committee.
6. Draft sanction letters detailing all stipulated conditions.
7. Conduct regular loan utilization checks and monitoring visits.
8. Proactively follow up with delinquent clients, assessing ongoing early warning signals for existing clients.
9. Perform assigned tasks by management.

Portfolio Management
The analyst must maintain a high-quality portfolio through efficient processing of all credit proposals. This includes conducting thorough credit underwriting, analyzing proposals, preparing credit appraisal memos, and recommending loan amounts.

Qualifications and Skills:
The ideal candidate should possess excellent analytical skills, be proficient in financial analysis, and have a keen eye for detail. Strong communication skills are essential for effective collaboration with colleagues and stakeholders. The candidate should also demonstrate adaptability, problem-solving abilities, and a willingness to learn and grow within the organization.

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