Credit Analyst - Public Finance - Bank

BASIC INFORMATION

Job Title/Designation: Credit Analyst

(e.g. GM IT, GM HR etc.)

Department: Public Finance

Job Location : Head Office

Area of operation: All India

PURPOSE OF ROLE :

The incumbent provides meaningful insights into the financials of the corporate borrowers and other clients to help make right lending decisions and mitigate the risks involved.

POSITION IN THE ORGANISATION

Direct Reporting To Head - Credit Underwriting and Risk

Any Other reporting

KEY WORKING RELATIONSHIPS :

Internal : Purpose of the Interaction Frequency

Departments: All Departments as and when required

Provide insights into analytical conclusions

Regular External Purpose of the Interaction Consulting Agencies

External Vendors Discussion on Financials, Risk.

Regular Project details and information gathering.

DELIVER: KRAs AND PERFORMANCE INDICATORS

Category KRA :

Financial Work towards reducing credit risk associated with dealing with different borrowers by providing detailed insights into the credit history and financial statements

Customer Co-ordinate with vendors and agencies

Process Interact with Corporate borrowers

Analyze the financials

Derive analytical conclusions based on the data

Hold discussions with the senior management of the borrower on the insights gained Prepare credit committee notes in line with internal norms and as per defined structure

People Interaction with internal departments and teams

Collaboration with different teams to accomplish the task in hand