IndusInd Bank - Credit Analyst - Commercial Cards

KEY RESPONSIBILITIES :

- Credit Appraisal of Commercial Card proposal (Unsecured/Secured)

- Conducting credit worthiness and due diligence of applicants basis financials, operational management and industry segment trends.

- Well verse with in depth understanding and analysis of financials, ratios and its interpretations, financial trends & movements as per Audited Balance sheet (ABS), banking behaviour etc.

- Quick understanding of Business model, market trends of varied industry segment, external credit rating and other credit Bureau reports.

- Well verse in culminating all such assessment and analysis information and data points by preparation of Credit Appraisal Memo (CAM) / appraisal note for sanction.

- Leverage technology platforms to review credit proposals and assessment.

- Cross function co-ordination with Credit and Business stakeholders.

- Regulatory & other audit requirement reporting; multiple credit reporting on periodic basis to multiple stakeholders.

KNOWLEDGE/SKILLS/EXPERIENCE:

- Should be a Graduate in finance / CA / ICWAI / MBA or equivalent

- 7- 8 years of Credit appraisal experience preferably with financial statement assessment.

- Fair knowledge of Regulatory and statutory guidelines and solution providing aptitude within. Regulatory and Compliance framework.

- Good in MS office (Excel and PowerPoint) and Saas