Credit Analyst - Business Banking Firm

Key Roles & Responsibilities:

1. Credit Assessment & Underwriting:

- Analyze financial statements, banking transactions, and cash flows of SMEs and business clients.

- Conduct detailed credit appraisals for lending proposals across working capital, term loans, and overdraft facilities.

- Assess borrower's creditworthiness, repayment capacity, and risk profile.

- Recommend appropriate credit structures with mitigants.

2. Risk Analysis & Due Diligence:

- Perform industry and market analysis to evaluate macro and microeconomic factors affecting client businesses.

- Conduct due diligence, including background checks, site visits, and promoter track record assessment.

- Identify and highlight early warning signals and stress indicators in portfolio accounts.

3. CAM Preparation:

- Prepare Credit Appraisal Memos (CAM) with qualitative and quantitative analysis.

- Justify credit decisions with data-backed insights, risk grading, and exposure summaries.

4. Compliance & Policy Adherence:

- Ensure all credit proposals comply with internal credit policy and RBI regulations.

- Liaise with compliance teams to ensure adherence to KYC, AML, and regulatory norms.

5. Coordination & Stakeholder Management:

- Work closely with Relationship Managers and Risk teams to understand client requirements and structure deals.

- Support credit sanction process by presenting cases to credit committees and responding to queries.

6. Portfolio Monitoring & Review:

- Monitor performance of portfolio accounts and maintain MIS on exposures, delinquencies, and renewals.

- Flag deteriorating accounts and coordinate with recovery/legal teams where needed.

7. Reporting & Documentation:

- Maintain accurate and timely credit documentation and financial models.

- Prepare periodic reports for senior management on portfolio quality and credit trends