Credit Analyst - Bank

- Appraisal of credit proposals in line with the policy within laid down TATs.

- Analyzing the Financial statements, Cash flow statement and Ratio analysis for the purpose of assessment of working capital/ Term Loan/ other funding requirements of the SME.

- Credit appraisal of prospective for SME a clients for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc.

- It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

- Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals within Banks credit guidelines, Credit Programs and customers requirement.

- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.

- Performing detailed credit and background reference checks on all prospective for SME FI Clients.

- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.

- Disbursement of sanctioned cases including documentation, security creation and setting up of limit.

- Follow-up with the sales team, account relationship team and other concerned teams for sourcing, documentation, limit set-up and renewal/review

- Joint monitoring of portfolio with account relationship team based on early warning systems.

- Preparing Risk/ Rating sheets making recommendations to approving committees.

- Approving cases within delegated powers.

- Monitoring of portfolio on ongoing basis for early warning signals.