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22/11 HR

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SBI - Manager - Credit Analyst (3-8 yrs) Premium

Anywhere in India/Multiple Locations Job Code: 1183623




State Bank of India invites Online application from Indian citizen for appointment to the following Specialist Cadre Officers posts. Candidates are requested to apply Online through the link given on Banks website

Post - Manager/Credit Analyst

Age as on 30/06/2022 - 25-35 years

Selection Process - Short listing and Interaction

Place of Posting - (Suggested) - Anywhere in India

Educational Qualification (As on 30/06/2022) : Graduate (any discipline) from Government recognized University or Institution AND (Full time) MBA (Finance) / PGDBA / PGDBM / MMS (Finance) / CA / CFA / ICWA

Post-Qualification Experience (As on 30/06/2022) :

- Post Qualification Experience of Minimum 3 years in Corporate / SME Credit as an executive in Supervisory / Management role in a Schedule Commercial Bank /Associate or Subsidiary of a Scheduled Commercial Bank OR in a Public sector or listed financial institution company.

- Post Qualification experience in high value credit is a must/mandatory

- Experience should be in appraisal / assessment of Credit proposals of medium/large Corporates

Specific Skills required : Analysis of Balance Sheet / Appraisal / Assessment of Credit Proposal, Credit monitoring & follow-up

Job Profile :

- Carrying out of Due Diligence on Credit Proposals assigned

- Timely completion of reviews/renewals as Appraiser, including credit risk assessment proposals

- Securing maximum marks for the AMT (Asset Management Team) in credit audit in pre sanction

- Assisting Relationship Manager in achieving budgeted growth in advances for the AMT.

- Adhering to Turn-Around-Time (TAT) for processing New/Existing proposals

- Ensuring ABS considered for the proposals are the same as filed with ROCs

- Ensuring achievement of satisfactory RAROC (Risk Adjusted Return On Capital) for each unit in the AMT.

Key Responsibility Areas :

ROLES : Responsible for :

- Analysis & appraisal of credit proposal including adhoc facilities / restructuring / rehabilitation proposals / any other type of business or general proposals pertaining to the unit.

- Ensuring quick and timely appraisal of credit



- Ensuring compliance of KYC norms

- Updation of periodical due diligence reports as per RBI guidelines.

- Obtaining data/information from customers for assessment and processing of the proposals.

- Interacting with Key Officials in the borrowing units for obtaining data/statement etc.

- Obtain and verify the legal search reports / valuation reports of properties offered as Primary/Collateral securities.

- ROC search at each sanction of the limits to the Unit

- Arranging for compilation / updation of opinion reports and CIRs

- Undertaking pre-sanction visits

- Appraising of credit proposals and CRA

- Arranging for D&B / Credit reports and their scrutiny, wherever required

- Obtaining external credit rating of the customers

- Providing support to the Relationship Manager for making presentation of credit proposals to the sanctioning authority.

- Credit related notes like RMD deviations / any other deviations, concession etc. or non-business proposals to competent authorities


- Preparation of arrangement letter and ensuring that all the Terms & Conditions of sanction have been incorporated therein

- Attending consortium meetings with the Relationship Manager, wherever necessary

- Analysis of FFR and other Financial Statements putting it up to Relationship Managers and taking-up issues / observations recorded with the company.

- Rectifying irregularities pertaining to pre-sanction pointed out in various Credit Audit reports.

- Attending to the credit related correspondence with internal and external agencies

- Periodical review of TLs sanctioned on standalone basis

- Periodical inspections as per the instructions of Relationship Manager


- Tracking & monitoring important developments in the industries / activities in which borrowers operate / have interest

- Creation, maintenance and updation of account profile as per format devised by the Relationship Manager / Branch Head / Bank

- Monthly updation of pricing / concessions to be prepared for verification / checking by Relationship Manager (and for submission to concurrent auditor)

- Credit Analyst who is a Regular Bank officer will perform the role of Service Officer in his absence

- Preparation of outstanding issues / non-compliances with terms of sanction in pre-sanction areas for each company and its updation on resolution of the issues involved

- Assisting relationship Manager in preparation of Annual Account Plan.

- Any other job/task relating to dispensation or administration of credit or any other specific task of any nature arising out of business or administrative exigencies or even otherwise under instruction of Chief

Manager / Manager (Credit) / Relationship Manager / Branch Head.

- The activities mentioned above are illustrative only and Credit Analyst is primarily responsible for all activities as directed by Relationship Manager / Branch Head from time to time.

Note : For your candidature to be considered on this job, you need to apply necessarily on the company's redirected page of this job. Please make sure you apply on the redirected page as well

Women-friendly workplace:

Maternity and Paternity Benefits

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