Senior Consultant at Dimensions HRD Consultants
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Credit Analyst - SME/MID/Large Corporate - Bank (4-10 yrs)
- Credit appraisal of prospective SME/MID/Large for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non fund based exposure like Letter of credit / Bank Guarantee etc.
- It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.
- To prepare periodic internal rating reports of various companies in Portfolio.
- To carry out industry analysis as well as peer analysis.
- To present appraisal reports to respective forum & get timely decision for the same.
- To look after existing portfolio for annual review & interim requirement of companies.
- Monitoring of existing portfolio to maintain quality & reducing delinquency at minimum.
- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.
- Performing detailed credit and background reference checks on all prospective for Large Clients.
- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.
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