Credit Analyst - Bank

Job Description:

Role of a Credit Manager :

- The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360-degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly.

- The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments.

Primary job duties/responsibilities :

- Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions

- Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers

- Undertake the credit assessment process within defined turn-around-time (TAT)

- Focus on delivering best in class service and transaction experience to customers in every engagement

- Consider key market nuances in the credit underwriting process - Undertake comprehensive opportunity capturing while conducting credit assessment - Keep a focus on creating high quality portfolio

- Manage the complete life-cycle of loan process, through credit application till disbursement

- Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning

- Ensure post disbursement documents and covenant management

- Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others

- Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks

Educational Qualifications:

- Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA or interim CA or dropped out CA will also do.

- Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience.

Experience:

- Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred

- Should have an analytical bend of mind - Basic knowledge of financing and financial statement

- Collaborative and orientation to work in cross functional teams - Should have an orientation to learn

- Conceptual understanding of risk and risk mitigation strategies

- Basic Orientation for business and analytical acumen

- Basic understanding of financial analysis, balance sheet and profit and loss accounts

- Ability to assess impact of policies, rules and regulations on portfolio

- Strong communication (both oral and written) and negotiation skills

- Attention to detail

- Exposure to analytics would be an added advantage

- Ability to articulate own point of view.

Key Responsibilities of Credit Manager:

- Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions.

- Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers.

- Undertake the credit assessment process within defined turn-around-time (TAT). Focus on delivering best in class service and transaction experience to customers in every engagement.

- Consider key market nuances in the credit underwriting process. Undertake comprehensive opportunity capturing while conducting credit assessment. Keep a focus on creating high quality portfolio.

- Manage the complete life-cycle of loan process, through credit application till disbursement. Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning.

- Ensure post disbursement documents and covenant management. Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others.

- Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks.