Credit Analyst - Financial Institutions Group/NBFC

Credit Analyst - FIG or Financial Institutions Group/NBFC

Location : Mumbai - Local candidates only

Looking for minimum 4yrs hands on experience in Financial Institutions.

Roles and Responsibilities :

- Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

- Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

- Work with the RM, in :

a. Obtaining all pre clearances

b. Preparing & presenting work-shopping note, transaction notes

c. Expediting approvals.

- Responsible for end-to-end BCA process using tools like Credit Lens, RMWB, Raptor, Scorecard, etc. and perform in-depth analysis of various risks, make quality presentations and ensure fast credit approval

- Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.

- Coordinate and prepare for credit meetings

Post Deal Account monitoring :

- Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.

- Ensure timely submission of quality Quarterly Credit/ Performance Reports

- Review reports from various tools - like Fraud Risk Analytics, Credit Analytics etc.

- Monitor Risk Triggers, Covenants and other credit conditions and report appropriately

- Ensure Zero BCA and CaRT over dues.

- Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.

- Proper maintenance of Credit files and ensuring Audit Ready at any time

- Attend EAR/Portfolio calls along with the RMs

- In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines

- Work with RM on account management with stressed asset team

- Embed usage of Credit Risk Analytics and Credit Analytics Framework.

- Ensure portfolio is maintained with high quality - both, from credit risk and hygiene perspective.

Others :

- Prepare timely Stress Tests wherever required

- Prepare specific industry study

- Prepare Credit Opinion reports wherever required.

- Effective use of Creditmate & RMWB

- Be prepared to do any other activity which might be required from job perspective