Senior Credit Analyst - SME - Bank

Senior Credit Analyst-SME

- Credit appraisal of prospective SME clients 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.

- It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees.

- 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 Business Banking / SME Clients.

- Make a 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 limits.

- Training of Sales Team and credit executive team on Credit and financial analysis.

- 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.