Credit Analyst - Corporate Banking

Job Purpose :

Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products and help the team in achieving revenue goals and also detecting early warning signals in their portfolios.

To support Relationship Management teams in the following activities;

1] Preparation and submission of Credit Memo to Corporate Credit Group

2] Completion of documentation formalities in coordination with the client & CCU

3] Assisting RM in completing Legal & Valuation reports

4] Follow up of overdues for regularization

5] Client servicing in coordination with internal units.

6] Highlighting any early warning signs of the portfolio to the RMs

Key Accountabilities:

1] To prepare accurate credit proposals in a consistent, concise and lucid manner.

2] To maintain close working relationship with Business Unit to ensure that IBG/CBG deliverables are met.

3] Need-based meeting with customers to understand business and attendant risks.

4] Cross sell of other products such as trade, cash and foreign exchange.

5] To monitor portfolio for irregularities/ excesses/ breaches/ delays.

6] Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal audits.

7] Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.

8] Control and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.

9] Monitor levels of complaints and quality of handling.

10] Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes.

11] Monitor and ensure adherence to risk service standards

12] Conducting and assisting in Periodic Portfolio review

13] Assisting in the Credit Audit of the portfolio

Job Duties & Responsibilities:

1] Preparing spreads which are consistent, error-free and in line with classification parameters used in the Bank.

2] Providing concise and relevant financial analysis by clearly identifying risks.

3] Ensure reviews are completed prior to due date and are error free.

4] Interact and follow up with clients on required information and clarifications.

5] Adhere to the risk management guidelines of the Bank and regulators.

6] Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio.

7] Control and manage the risk profile for the overall Team portfolio.

8] Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets.

Develop Account Relationship Plans for customers in portfolio.

Desired Skills and Experience :

1] An MBA or CA with 6 to 10 years of experience in banking and specifically in selling asset products in the Institutional / Corporate Banking segment

2] Knowledge of competitors and market place

3] Market knowledge and experience in the Large Corporate, with reference to customer preferences and requirement would be preferable

4] Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.