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Senior Credit Analyst
YES BANKMumbai, Maharashtra, India22 days ago
Job descriptionReview of Credit notes and guide team in analysis, decision making Interaction with various stakeholders (internal and external) for review of such customers Review of internal rating of customers and assign rating Review Early warning triggers Prepare recommendation notes and recommend proposals to top management Involvement in Management level meetings / discussion Up-to-date with industry dynamics and changing environment Keep up to date with various RBI circulars critical from wholesale lending perspective Adherence to Bank internal policy, deviations to be reviewed adequately Being sensitives to Bank’s Business requirements Team player, handling resources Discussion of observations with Seniors – RCH / ZCH / NCH Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results / goals set for self & Team 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 Management Understanding Banking product , policies , loans. § To be conversant with SME Loan Products
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
Core Responsibilities :
Assessment of credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
Minimum 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
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Senior Analyst Credit • Mumbai, Maharashtra, India