Credit Analyst - Bank

Opportunity is with MNC Bank

- Ensure a high standard of credit governance in the portfolio

- Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval

- Work on a specified portfolio with primary responsibility to manage the credit risk associated with the same and ensuring high quality of the portfolio

- Closely work with the Origination team & play a vital role in structuring appropriate solutions from a credit/policy/regulatory/other governance perspective

Key responsibilities :

Credit Analysis :

- Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval

- Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

- Ensure compliance of all internal and regulatory credit/other portfolio policies

- Develop industry / product expertise

Credit Monitoring :

- Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with internal processes

- Ensure Zero over dues in terms of annual facility renewals

- Responding to Audit queries and ensuring nil audit issues

- Regularly track the MTM and escalate exceptions

- Regular client visits and monitoring

Others :

- Credit Analyst will be the complete storehouse of knowledge base of the client

- Prepare timely Stress Tests wherever required

- Prepare specific industry studies as required

- Provide inputs in account planning process including potential deal opportunities

- Work with the deal team in deal execution including closing documentation issues with clients, meeting internal requirements etc.

Credit Quality :

- Work with Credit Risk to drive improvements in submission quality across the portfolio.

- Identify and drive improvements in credit processes.

- Driving performance on key credit metrics (such as overdue annual renewals, Rework, Turnaround time on proposals, covenant / risk trigger monitoring etc)

Key measures :

- Effective inputs into transaction structuring with Origination team - structured credit handled successfully

- Effective handling of complex / difficult credits

- Completion of proposals and obtaining Credit approvals on time to facilitate timely of transactions.

- No. of refer backs in proposals

- No. overdue annual renewals, quarterly reports, covenants / risk triggers

- Satisfactory Audit and other internal & external reviews

- No audit comments on non-adherence to policies.

- Inputs provided in deal origination and idea generation

- Effective deal coordination and execution