Axis Bank - Credit Analyst - Commercial Banking Group

About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc

About the Role:

The Credit Analyst, as part of the Credit team is responsible for preparing various notes (appraisal, review, risk replies, etc) for the appropriate authority. They are also responsible for assessing the credit worthiness and preparation of credit proposals by fitting borrower requirement within the existing product suite and credit policy guidelines

Key Responsibilities

- Conduct borrower rating and recommend credit decisions in consultation with the Credit Manager

- Evaluate all the credit risk parameters and implement measures to mitigate the same

- Conduct post disbursal monitoring of accounts to ensure early identification of stressed accounts

- Conduct review / renewal of accounts according to the Bank's policies/ guidelines

- Ensure tasks such as conducting rating, preparation of appraisal note and renewals are completed as per the assigned TAT

- Coordinate with stakeholders belonging to various verticals during sanctioning, credit delivery, audit and recovery to ensure smooth operations

Qualifications:

Optimal qualification for success on the job is:

- Graduation/ Post-Graduation (Management graduates/CAs/ICWAs will be preferred) from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

- Knowledge of credit, banking regulations and norms

- Maintain a high level of knowledge of banking products and services

- Good communication (both verbal and written) skill in both English and the local language

- Ability to handle pressure and meet deadlines