Senior Credit Analyst - SME - Bank

Client is a well known pvt sector bank and is ranked among its peers.

Role specs:

- Approve and recommend credit exposures to the SME clients [turnover 200 cr -700 cr]. Responsible for SME portfolio health for the Zone.

- Lead a team of senior analysts .

- Credit approving role including in-depth analysis of - clients / their prospects, financial statements business model, management competency, industry dynamics and competitive position.

- Implementation of credit standards & guidance set by the bank's policies / programs and suggesting changes, if any.

- Provide an independent credit opinion and recommendation on the proposed exposure & structures , highlighting the risks involved , considering bank's risk appetite and lending Policies, regulatory guidance etc. and providing adequate mitigants to minimize risk.

- Hands-on experience in managing credit transactions/ operations.

- Tracking performance of portfolio and follow up on high deviation cases, highlighting critical risk zones and securing portfolio with collaterals in high risk cases leading to reduction in delinquencies.

- Identify and report all negative events & early warning signals on potential problematic accounts/ relationships & signs of stress in client relationships, design strategies to address the stress and take pre-emptive measures to protect portfolio quality.

- Responsible for internal risk ratings with the objectives of improving credit quality.

- Presenting credit proposals / Reports to appropriate committee, as and when required.

- Manage relationships with internal stakeholders and external clients for data collection, compliance and co-ordination with internal & external auditors.

- This is a leadership role.

Candidate specs:

- CA / MBA with a similar profile with a PSU / Pvt sector bank.

- Must have lead a team

- Articulate and strong interpersonal skills