Roles & Responsibilities :
Credit Analysis :
- Conduct detailed credit analysis of proposals and prepare comprehensive credit notes.
- Assess the financial viability, risk profile, and repayment capacity of corporate clients.
Deal Structuring :
Participate proactively in deal structuring and credit enhancement to facilitate faster deal closures.Maintain a balance between business growth objectives and portfolio quality.Client Engagement :
Meet new and existing customers regularly to assess financial health and business requirements.Build and maintain strong relationships with clients and internal business teams.Portfolio Monitoring :
Monitor portfolio performance on a regular basis, focusing on key metrics such as delinquencies, deferrals, and renewals.Identify early warning signals in stressed accounts and initiate appropriate corrective measures.Ensure continuous oversight for high-value exposures within the assigned region.Market Intelligence :
Develop strong market knowledge by engaging with competitors, industry bodies, business associations, and CA firms.Leverage market insights to support informed credit decisions and risk mitigation strategies.Risk Management & Compliance :
Ensure high-quality underwriting standards and adherence to internal and regulatory policies.Minimize audit queries (including RBI and statutory audits) and resolve them within prescribed timelines.Support annual reviews and renewals in a timely and compliant manner.Skills Required
Credit Analysis, Credit Underwriting, corporate lending, Working Capital, Corporate Finance