Credit Analyst - Wholesale Credit Vertical - Bank

Credit Analyst

The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes

Salary offered - 20-24 LPA

About the Role

The Credit Analyst manages the credit activities and processes of the Wholesale Credit vertical for the designated location. The Credit Analyst is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank

Key Responsibilities

- Review the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency

- Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

- Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

- Monitor the accounts to ensure maintenance of a healthy portfolio

- Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

- Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme

Qualifications

- Graduation/Post- Graduation (MBA/CA preferred) from a recognized institute

- Experience in assessing credit of Corporate clients

Role Proficiency

For successful execution of the job, the candidate should possess:

- Knowledge of credit, industry and product trends

- Knowledge of regulatory guidelines and norms

- Good communication (both verbal and written) skill in both English and the local language

- Ability to handle pressure and meet deadlines