Regional Business Analyst - BFSI

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

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. "