Business Credit Analyst - Construction Finance Business

Job Responsibilities:

- The Business Credit Analyst is an integral part of the Construction Finance Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.

- The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.

- He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process.

- Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes.

- Generating various MIS's and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect.

Key Challenges

- Cross functional coordination to enable timely approval of credit proposals

- Self-updating on economic / sectoral changes in the economy

- Improvising on TAT

- Seamless co-ordination with multiple internal and external entities

- New product development

Enabling Skill Sets & Qualifications

- The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision-making skills, initiative & target orientation & market intelligence developed through a strong industry network.

- The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 2-4 years of experience in credit and risk functions of Banks/NBFCs