Senior Credit Analyst - Bank

Job Purpose :

- To analyse prospective credit data and financial information of corporates within various segments to determine and mitigate the risk for the Bank.

Responsibilities :

- Credit appraisal of prospective Mid/Large Corporates for fund based exposure like Working Capital, Overdraft, Cash Credit, Term Loan etc. and non-fund based exposure like Letter of Credit, Bank Guarantee etc.

- Preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

- Organise client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals within Banks credit guidelines, credit programs and customers requirement.

- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.

- Performing detailed credit and background reference checks on all prospective for large- mid market clients.

- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.

- Disbursement of sanctioned cases including documentation, security creation and setting up of limit.

- Follow-up with the sales team, account relationship team and other concerned teams for sourcing, documentation, limit set-up and renewal/review.

- Joint monitoring of portfolio with account relationship team based on early warning systems.