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01/06 Vishala
Recruiter at Ace Talent Consulting

Views:368 Applications:83 Rec. Actions:Recruiter Actions:10

Regional Business Analyst (10-17 yrs)

Bangalore/Delhi NCR/Delhi Job Code: 1267928

Job Context & Major Challenges:

Key Aspects of the role -

- To ensure the quality credit appraisal within the stipulated TAT from the entire team to aid decisioning by risk

- To ensure healthy approval rates for the region.

- To ensure Nil Infant delinquency and portfolio hygiene for the region.

- To ensure strict compliance of internal guidelines, policy parameters and statutory regulation while appraising the cases.

Internal Challenges:

TAT and Productivity commitments, balancing with need for aggressive growth rates. Other internal challenges are deficiencies in loan policies/administration, absence of prudential credit concentration limits, inadequately defined lending limits for Loan Officers/Credit Committees, deficiencies in appraisal of borrowers' financial position, excessive dependence on collaterals and inadequate risk pricing, absence of loan review mechanism and post sanction surveillance, etc.

External Challenges:

The external factors are the state of the economy, wide swings in commodity/equity prices, foreign exchange rates and interest rates, trade restrictions, economic sanctions, Government policies, etc

Job Context & Major Challenges:

Key role facets:

- Regulatory requirements mandate procedures and systems to ensure credit risk mitigation

- Credit analysis and loan underwriting are extremely critical components of the lending cycle to ensure limited risk exposure to bad loans

- Thoroughness of on -going credit reviews for existing clients enables early warning and pre-emptive action on potential defaults by existing clients, if required

- Absence of strong credit analytics can also result in adverse impact on credit rating and profitability of NBFC in the long run

- Monitor many critical variables with respect to credit risk, due diligence and ensure timely closure of loan sanction process

- Manage business stakeholders while ensuring due checks are performed on all credit proposals

- Understand how and what to verify and highlight irregularities/ concerns in a timely manner to the right approval authorities or business teams for resolution

- Understand the various loan covenants from a financial perspective

- Keep abreast with the financial, know how, loan structuring procedures, market best practices in order to provide the most optimal credit policy inputs Key Result Areas and Supporting Actions:

1. Quality of Appraisal

- Makes prudent business decisions based on internal credit policy guidelines to approve or deny the extension of credit within established credit authority.

- Analyzes financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.

- Strategizes & sees through the policy/ industry/market changes & implements the same in underwriting decisions

- Facilitates faster deal closures through proactive participation in deal structuring & credit enhancement

- Leads personal discussions with clients for underwriting loans for SME/ SEG when required

2. Productivity and TAT

- The analyst while maintain the quality of appraisal has to ensure 5 cases of SME or 10 cases of SEG per month. RBA ensure that 80% of the team achieves the desired target.

- Maintain desired TATs for deal processing by collaborating actively with sales and risk teams.

3. Approval Ratio - Deliberates discussion with Risk and Approving Authorities representing Business view of the case.

- Responsible for ensuring that the approval ratios across both the business is in excess of 80%

4. Stakeholder management Responsible to manage stakeholders internally viz Business and Risk as well as customer during credit discussion to ensure quality deliverables and customer service.

- Ensure that the churning in the team is minimum.

5. Post Sanction Management and Portfolio Hygiene Ensure no infant delinquency in the cases underwritten by the team.

- Ensure that the renewals and credit monitoring conditions are complied timely.

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.

Women-friendly workplace:

Maternity and Paternity Benefits

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