CSB Bank - Credit Analyst - Wholesale Banking

Credit Underwriting & Credit Rating:

- Visit leads identified by BM/RM for conducting personal discussion and evaluation of business and management related risk

- Carry our customer due diligence and discuss with RM/BM whether to take the case forward or not using the GO/NO GO criteria.

- Conduct financial statement analysis - Ratio analysis and Cash flow analysis (for non-schematic loans above 1 Cr)

- Conduct Credit Rating of the borrower and the facilities extended (for non-schematic loans above 1 Cr)

- Review the industry performance through external research reports.

- Review property valuation reports and ensure compliance to valuation guidelines

- Compute credit limits and RAROC for loan applications (for non-schematic loans above 1 Cr)

- Submit proposals to the appropriate sanctioning authorities for sanction of the proposal.

- Liaise with CCH/RCH for early sanction of the proposal and obtain sanction letter from RCH/CCH within specified turnaround times.

- Issue sanction letter and obtain sign of from CAT