Credit Analyst - SME

- Preparation of the credit assessment notes covering detailed analysis of business, industry, management and financials.

- Finalization of terms and conditions (e.g. facility to be provided and structure) of the proposals in consultation with Relationship team

- Develop and rate client using internal credit framework

- Coordinate with the client for timely submission of stipulated monthly /quarterly performance reports such as QIS, sales statements, stock and book debt statement.

- Risk Management of the allocated portfolio and pro-actively monitor the accounts

- Timely processing of the proposals

- Ensuring compliance with terms and conditions of sanctions by liaisoning with the relationship team and company involved.

- Client and factory visit as per requirement to ensure that monitoring is at the highest levels.

- Ensure adherence to the credit policy, internal policy, RBI guidelines and other guidelines.

- Prepare presentation and maintain database of portfolio for periodic reviews