Credit Portfolio Analyst - CA

The Credit Portfolio Analyst is an entry-level position responsible for participating in a variety of portfolio monitoring activities to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to assist Head of Credit

Location: Chennai

Qualification :Charted Accountant ( CA )

- Responsible for the development and execution of credit portfolio risk monitoring activities, including analytics and process enhancements

- Responsible for creating enhancing and maintaining reports on key risk metrics, concentrations, and stratifications of the loan portfolio

- Perform research to prepare and provide clear and accurate information as requested by auditors, regulators, and other stakeholders

- Anticipate regulatory risk regularly monitoring the regulatory landscape

- Responsible for preparing ad-hoc risk management reports as assigned

- Responsible for analyzing financial information and interpreting the financial condition of commercial customers and guarantors

- Responsible for underwriting guarantor cash flows and contingent liability analysis

- Responsible for the identification of risk factors that could impact the bank's ability to be repaid and communicate it to the appropriate unit

- Provide support in the completion of Credit Approval Report packages

- Complete various aspects of the formal Credit Approval Report (CAR), including a summary of loan terms, exposure levels, and exceptions to policy

- Prepare industry analysis as well as annual and interim credit memos

- Provide support to Client Development Officer by attending to clients and prospects business development/relationship calls as requested

- Collaborate with Client Development Officer to determine the appropriate proposed outline of the terms of a loan

- Determine the timing and scope of work projects by reviewing Loan Maturity Report

- Responsible for completing a preliminary file review to determine financial requirements and other items to be obtained from the client before the credit approval process

- Responsible for the update of Collateral Charts, Borrowing Base Spreads, and Covenant Test as required

- Responsible for the update of relationship loan histories, and determine appropriate exposure levels

- Complete on-site property inspections and updated documentation for real estate loans as required by the Banks Loan Policy.