Aditya Birla Financial Services - Deputy Manager/Manager - Credit Analyst

Aditya Birla Finance (ABF) is the NBFC arm of Aditya Birla Financial Services Group. The company offers specialized solutions in areas of Capital Market and Corporate/ Trade Finance.The Corporate Finance Group deals with SMEs and large corporate clients and aims to provide innovative and customized solutions to meet their Short term / medium term funds needs. The product portfolio consists of Channel Finance, Invoice Discounting, Bill Discounting backed by letter of credit (LC), Vendor Finance, Term Loan, Working Capital Demand Loan, Loan Against Property, and Lease Rental Discounting.

The Credit Analyst is an integral part of the Business and is responsible for analyzing the proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations. He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., coordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process,.

Principal Accountabilities:

Accountability/Supporting Actions:

Analysis of quality proposals:

- To analyse the proposal as per the standard parameters

- Analyse Management Risk, Industry Risk, Business Risk and Financial Risk of the proposal

- Adhere to the credit policy guidelines

- Understand proposals by way of trade references, banker reference checks and other surrogates.

- Capture the strength and weakness with proper mitigants

Timely processing of credit proposals:

- Timely preparation of proposals highlighting strength and weakness in the proposal

- Personal discussion with customers to understand business, cash flows, purpose of loan, etc and resolution of credit concerns.

- Timely submission of proposals to Risk Team

- Coordination with sales & risk team members to ensure timely approval of proposals

- Maintaining overall TAT for approval for proposals

Renewal / Enhancement of existing facility :

- Sending timely and advance intimation to sales team for proposals due for review and renewals.

- Timely preparation of review / renewal proposals highlighting strength and weakness in the proposal.

- To ensure the fulfillment of the condition stipulated at the time of sanction

- Timely submission of review / renewal proposals to Risk Team and coordination with them for completion of timely reviews / renewals

Continuous Monitoring of portfolio:

- Half yearly review of the borrowers account

- Regular updates on sectoral changes with help of external sources.

Business Support:

- Help sales team to understand the strength & weakness of the proposal

- Timely responding to the requests of sales team

- Support for development of new products and related parameters / documents to Credit Head