CHIEF RESPONSIBILITIES
- Carry out due diligence for large corporate customers (large companies, listed / unlisted)
- In-depth financial analysis, business model review, management risk analysis
- Working on cashflow based excel models, Analyzing cashflows and WC
- Review of annual reports, borrower / promoter background
- Review of term sheets / sanction letters and suggest terms to be incorporated in the same for both fund
based and non-fund based products
Review of Credit notes and guide team in analysis, decision makingInteraction with various stakeholders (internal and external) for review of such customersReview of internal rating of customers and assign ratingReview Early warning triggersPrepare recommendation notes and recommend proposals to top managementInvolvement in Management level meetings / discussionUp-to-date with industry dynamics and changing environmentKeep up to date with various RBI circulars critical from wholesale lending perspectiveAdherence to Bank internal policy, deviations to be reviewed adequatelyBeing sensitives to Bank’s Business requirementsTeam player, handling resourcesDiscussion of observations with Seniors – RCH / ZCH / NCHAssessment of Credit Proposal / Case for his respective location / regionPresentation of key observations to Senior Management on periodic basisManaging a team & drive the results / goals set for self & TeamCore Responsibilities :
Assessment of credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level.Monitoring of delinquency, exceptions, portfolio movement.Maintaining data as required by the Senior ManagementUnderstanding Banking product , policies , loans. § To be conversant with SME Loan ProductsMinimum Qualifications :
§ CA / MBA from a reputed institute
Exp :
Minimum of 6 years of work experience in credit evaluation in a Bank (Not NBFC)
Nature of Experience :
Credit Evaluation in any Bank
Technical Competencies :
Financial Analysis and Market knowledge of industry segment