IDFC Bank - Credit Analyst - Commercial & Wholesale Banking Unit

Job Title: Credit Analyst

Business Unit: Commercial & Wholesale Banking

Function: Commercial Banking

Experience (Min to Max): 2-7 Years

Location: Multiple locations

Educational Qualifications: MBA/CA/PGDBM

Job Description :

- Assist RMs in risk assessment, account planning, pitching, origination and servicing corporate client relationships.

- Collaborate with the various internal stakeholders particularly in Risk, Products, Legal, Compliance and Operations to ensure efficient and effective cross sell.

- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

- Prepare reports that include the degree of risk involved in extending credit or lending money.

- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.

- Confer with credit association and other business representatives to exchange credit information.

- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

- Generate financial ratios, using computer programs, to evaluate customers' financial status.

- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

- Consult with customers to resolve complaints and verify financial and credit transactions.

An Ideal Candidate should possess:

- Strong analytical, presentation, negotiation and customer service skills.

- Ability to build relationship with clients and internal stakeholders

- Entrepreneurial mind set for interacting with clients and internal groups for deal execution.

- Building relationships ability to interact with internal and external clients and establish rapport.

- Ability to communicate information effectively articulate information, challenge ideas & convince people.

- Driving Success ability to seize opportunity & pursue goals, take action.

- Team player with ability to work effectively across various functions in the bank.

Industry Preferences :

- Rating Agencies

- Private Sector/MNC Banks