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Deputy Manager at SkillVentory
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Senior Credit Analyst - SME - Bank (8-20 yrs)
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.
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