Job Purpose: To support Relationship Management teams in the following activities: - Preparation and submission of Credit Memos to Credit team for NBFCs on-lending, Direct Assignment transactions and Co-lending/ BC Partnerships - Completion of legal documentation in coordination with the Client, Legal, Credit & Credit Control Unit - Assisting RM in completing client onboarding/KYC reviews - Regular monitoring of clients, exposure and portfolio - Submission of periodic reports to RMs, Credit and other stakeholders - Follow up for regularization of overdues - Client servicing in coordination with internal units. - Highlighting any early warning signs of the portfolio to the RMs - Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products. Key Accountabilities: To prepare accurate credit proposals in a consistent, concise and lucid manner. - To maintain close working relationship with Business Unit to ensure that department deliverables are met. - Need-based meeting with customers to understand business and attendant risks. - Cross sell of other products such as trade, cash, Fx etc. - To monitor portfolio for irregularities/ excesses/ breaches/ delays/overdue renewal. - Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal audits. - Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints. - Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies. - Monitor levels of complaints and quality of handling. - Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. - Monitor and ensure adherence to risk service standards Job Duties & responsibilities: Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS. - Providing concise and relevant financial analysis by clearly identifying risks. - Ensure reviews are completed prior to due date and are error free. - Interact and follow up with clients on required information and clarifications. - Adhere to the risk management and regulatory guidelines of DBS, MAS and RBI. - Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio. - Control and manage the risk profile for the overall Team portfolio. - Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets. - Develop Account Relationship Plans for customers in portfolio. Required Experience: Overall 5-10 years of experience in CAM writing, preferably having experience with credit analysis of FI clients - banks, and NBFCs. - A few years of sales experience in cash management/trade finance would be added advantage - Knowledge of competitors and market - Market knowledge and experience in the FIG segment, with reference to customer preferences and requirement would be preferable. Education / Preferred Qualifications: - CA / MBA Core Competencies: - Good written and verbal communication skills - Good Analytical skills. - Self-driven and highly ambitious - Results-orientated & the ability to handle pressure - Relationship building & management skills - Understanding of competitor products - Comfortable with tight deadlines - Technical Competencies Technical Competencies: - Sound understanding of asset products and associated technology platforms and operational procedures - Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical. - Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

Mumbai

Navi Mumbai

Credit Analyst - Bank 

Job Description for Credit Analyst - Bank  in Stalwart Management Consulting in  Mumbai Navi Mumbai for (5-15) years of experience. Apply Now!