Credit Analyst - SME/MID/Large Corporate - Bank

- Credit appraisal of prospective SME/MID/Large for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non fund based exposure like Letter of credit / Bank Guarantee etc.

- It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

- To prepare periodic internal rating reports of various companies in Portfolio.

- To carry out industry analysis as well as peer analysis.

- To present appraisal reports to respective forum & get timely decision for the same.

- To look after existing portfolio for annual review & interim requirement of companies.

- Monitoring of existing portfolio to maintain quality & reducing delinquency at minimum.

- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.

- Performing detailed credit and background reference checks on all prospective for Large Clients.

- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.