Posted By
Posted in
Banking & Finance
Job Code
1253859
We are hiring SR/ Credit Analyst for SME segment in Bangalore/ Chennai.
For company details, kindly visit www.indusind.com
Role Details:
- Appraisal of credit proposals submitted by business team in line with the policy within laid down TATs.
- Validation of details/analysis presented in the proposal. Ensuring that details presented are in line with internal/external guidelines.
- Advise/propose modification in credit structures if required.
- Regular monitoring of account performance, escalating breaches, red flags in timely manner.
- Keeping abreast with latest developments in economy, industry. Training team members.
Education : MBA / Post - Graduate/CA/CA Inter
Overall Job Description
- Vetting proposal of prospective SME proposals (turnover range of Rs 150 to 1000 Crs) 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.
- Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals within Banks credit guidelines, Credit Programs and customers requirement.
- 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 SME FI Clients.
- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.
- Joint monitoring of portfolio with account relationship team based on early warning systems.
- Preparing Risk/ Rating sheets making recommendations to approving committees.
- Monitoring of portfolio on ongoing basis for early warning signals.
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Posted By
Posted in
Banking & Finance
Job Code
1253859