About the role
The Bank has a separate Coverage and Credit vertical for dealing with Mid corporates. All the credit proposals originating from the coverage team requires independent vetting and sign off from the credit team. Therefore, the underlying role is of utmost importance in deciding the right credit and taking the right decisions.
Credit Analyst-WCMC is responsible for managing the credit activities and processes of the WC-MC vertical for the designated location. The credit analyst should enable smooth functioning of the Credit, ensuring sanction of proposals within the defined TAT, also ensuring the credit quality standards, i.e., managing the portfolio quality ensuring adherence to the processes designed by the bank.
Key Responsibilities- Review of credit proposals ensuring adherence to the credit policy of the bank and other external and internal guidelines
- Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
- Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
- Appraise the sanctioning authority on all the strengths and weaknesses of the proposal and all the critical information and insights required for decision making.
- Monitor the accounts to ensure maintenance of a healthy portfolio. Regular site visits and promoter level interactions for better portfolio monitoring.
- Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
Optimal qualification for success on the job is:
� Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
� Experience in assessing credit of Corporate clients
Role Proficiencies:For successful execution of the job, the candidate should possess:
� Knowledge of credit, industry and product trends
� Knowledge of regulatory guidelines and norms
� Good communication (both verbal and written) skill in both English and the local language
� Ability to handle pressure and meet deadlines