Credit Analyst - Corporate Banking (Large corporates)

We are looking for Credit Analyst (Corporate Banking/Large corporates) for one of the leading Bank based in China for their Mumbai location. Please find the details below:

Customer Origination :

- Understanding client requirements, financial documents and other necessary data for due diligence and analysis.

- Offering appropriate products as per customer needs and providing customer centric credit solutions by product structuring and suitability.

- Prepare and obtain credit pre-clearances, preparing credit analysis reports and applications for credit approval.

- Analyzing data from annual reports, projections etc. and sensitizing financial models, stress test, sensitivity analysis.

- Research and assimilation of market/sector information relating to the customer and its industry.

- Risk identification and mitigation.

- Compliance with all internal credit policies and procedures, regulatory compliance, reporting requirements etc.

- Coordinate and prepare for credit meetings.

- Liaise with its HO/other stakeholders for credit limit approval/allocation.

Post sanction monitoring :

- Monitor quality of the portfolio by tracking Excess/ past dues, or unpaid due, strictly complying with processes in default cases.

- Ensure timely submission of quality quarterly credit/ performance reports.

- Review reports from various tools - like fraud risk analytics, credit analytics, etc.

- Monitor risk triggers, covenants and other credit conditions and report appropriately.

- Ensure zero over dues.

- Liaise with Credit on credit assessment and other credit issues and ensure quick turnaround on queries.

- Proper maintenance of customer files and ensuring audit ready at any time.

- Attend portfolio calls along with the RMs.

- In partnership with the relationship manager, ensure timely identification of accounts to be put in close watch situation as per the Bank's policies and procedures.

- Work with RM on account management with stressed asset.

- Embed usage of credit risk analytics and credit analytics framework.

- Ensure portfolio is maintained with high quality both from credit risk and hygiene perspective.

- Ensure fast turn around on deals and no slippages / impairments

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