Senior Credit Analyst

7 days ago

Mumbai City District, India Yes Bank Full time ₹ 1,04,000 - ₹ 1,30,878 per year

CHIEF RESPONSIBILITIES

  • Carry out due diligence for large corporate customers (large companies, listed/unlisted)
  • In-depth financial analysis, business model review, management risk analysis
  • Working on cashflow based excel models, Analyzing cashflows and WC
  • Review of annual reports, borrower/promoter background
  • Review of term sheets/sanction letters and suggest terms to be incorporated in the same for both fund based and non-fund based products
  • Review of Credit notes and guide team in analysis, decision making
  • Interaction with various stakeholders (internal and external) for review of such customers
  • Review of internal rating of customers and assign rating
  • Review Early warning triggers
  • Prepare recommendation notes and recommend proposals to top management
  • Involvement in Management level meetings/discussion
  • Up-to-date with industry dynamics and changing environment
  • Keep up to date with various RBI circulars critical from wholesale lending perspective
  • Adherence to Bank internal policy, deviations to be reviewed adequately
  • Being sensitives to Banks Business requirements
  • Team player, handling resources
  • Discussion of observations with Seniors RCH/ZCH/NCH
  • Assessment of Credit Proposal / Case for his respective location / region
  • Presentation of key observations to Senior Management on periodic basis
  • Managing a team & drive the results/ goals set for self & Team

Core Responsibilities:

Assessment of credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal

  • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level.
  • Monitoring of delinquency, exceptions, portfolio movement.
    • Maintaining data as required by the Senior Management
  • Understanding Banking product , policies , loans.
    • To be conversant with SME Loan Products

Minimum Qualifications:

  • CA/ MBA from a reputed institute

Exp:

Minimum of 6 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience:

Credit Evaluation in any Bank

Technical Competencies:

Financial Analysis and Market knowledge of industry segment

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