Job Description

Key Result Areas	Supporting Actions
To assess/ recommend/ decide the viability of credit lending proposals based on institutionalized processes and dynamic market information	To decision proposals within delegated authority To undertake analysis of the credit proposals based on and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc Evaluate new credit proposals / review existing credit exposures To meet all clients above a certain threshold (for existing ones) on a regular basis, and meet all clients before disbursal in case of new proposals To undertake critical review of the credit proposals logged in with a view to especially bringing out the industry, business, financial, management and facility structure risk contained in the credit proposal. The role needs to bring out the collateral and other credit risk mitigation to take decision / facilitate the approving authority to take decision on the credit proposal. To engage with business teams in understanding the proposals submitted and extracting the relevant supporting information To suggest measures for ensuring workability of the loan proposals to the RMs, keeping risk in check like suggesting risk mitigation for the identified risks To ensure the ECL of the organization is under control To guide the Business Analysts on the business side in ensuring faster TAT.
To ensure efficient Turnaround time (TATs) for validating the proposals	To ensure TAT within SLAs with analysis of the broad parameters for considering or not considering the given proposal To effectively deploy processes and mechanisms for ensuring high quality TATs for validating lending proposals & share the same with all concerned To liaise with the Regional/ Zonal Credit Heads and Zonal Sales Heads, RH and BH , credit committee and pricing committees for closing the approval process after validation from risk To ensure prompt resolution/ explanation of queries raised by sanctioning authorities
To regularly provide inputs for new products, processes & credit lending norms	To undertake improvements in approval notes and other processes to meet dynamic market environment and needs of new customer segments To recommend new tools in the market that facilitate the monitoring processes
To perform portfolio monitoring and analytics for effective risk monitoring	To monitor the C&IB portfolio performance by continual analysis of fundamentals & reviewing the ratings, analyze the covenants and evaluate industry performance in that sector To devise various analytical tools to measure the portfolio health from various angles and highlight early warning signals To review the covenants of loan proposals at frequent intervals and undertake action for serious deviations To review reports and analytics on repayment schedules, covenant monitoring, modification in terms and loan sanction Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the business teams and senior management. To formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category To work closely with the collection team and legal team to take action against defaulting parties
To work towards skill enhancement and team building	To guide business analysts for better customer acquisition & provide them best-in-class knowledge on selection norms, new ways of proposal analysis & new concepts.

Credit Analyst - Credit SME Institutional - Delhi