Credit Analyst-Commercial Banking

Functional Designation    :Credit Manager

Business Unit    :
Commercial Banking 
        
Locations    :
Mumbai

        
Job Summary    :
Credit Underwriting – Emerging Corporate

    Detailed Responsibilities    •Evaluating the financial health of the borrower, analysing financial statements, and assessing credit worthiness based on established criteria and policies
•    Identifying, assessing and mitigating potential credit risk.
•    Building and maintaining strong relationships with internal stakeholders, including sales teams, and other departments to facilitate smooth loan origination and management.
•    Tracking the performance of the loan portfolio, identifying potential problem accounts and implementing corrective actions.
•    Collaborating with Sales teams to structure loan products that meet the specific needs of Emerging Corporate clients while managing credit risk.
•    Ensuring proper documentation for all credit related activities and maintaining audit-ready records.
•    Conducting personal discussion with the promoters at their office. Visiting manufacturing facilities and properties offered as collateral security.
•    Conducting timely review/ renewal of Credit facilities.
•    To coordinate with CROPS to ensure that the sanction terms are appropriately incorporated in the sanction letter.
•    Ensure that all underwriting processes and decisions comply with internal policies, regulatory requirements, industry practice, and legal requirements.

Qualification    : 
MBA/ CA

Experience    :
Minimum 2 years experienced in SME underwriting or related field

Desired skills and competencies    :
•    Strong knowledge of local market, relevant banking regulations and compliance requirements
•    Experience in assessing credit risk, identifying potential rial risk and implementing mitigation strategies
•    Understanding of working capital, term loans and other relevant financing products
•    Ability to analyse financial statements, cashflow projections, financial ratios and other relevant financial data. 
•    Strong communication skills both written and verbal