Credit Analyst

Work Level: Individual

Core: Communication Skills, Result Driven, Problem Solving, Networking

Leadership: Influencing, Responsive

Industry Type: Banking

Function: Credit Manager

Key Skills: Lap,Loan Against Property,Credit,Credit Approver,Credit Note,Credit Underwriter,Letter oF Credit,Risk Management,Credit Analysis,Portfolio Management

Education: PG/ Master

Note: This is a requirement for one of the Workassist Hiring Partner.

Roles & Responsibilities

Key Accountabilities:

1) To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks.

2) To keep track of delinquency levels and ensuring that requisite follow up along with the Collections and Business team is being done to ensure that overdues are regularised in a time bound manner.

3) To have a sound knowledge of the Indian Western market especially Mortgages (both Home Loan and Loan Against property) in terms of risks associated with this product. Additional, expertise and knowledge on other location market is also an added advantage.

4) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations.

5) To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same.

Job Duties and Responsibilities:

1) To manage and monitor under writing team of his region, supporting them for meeting the business targets.

2) To frame the lending policy framework, processes, and workflow, assist in setting up an error free process across locations.

3) To approve credit applications as per DOA judiciously.

4) Ensuring that quality of Bank's exposure in India is acceptable at all times.

5) Maintaining a NIL delinquent book across region and ensuring zero audit lapses and noting.

6) Provide guidance to the team of Mortgage counselors on areas of policy and processes.

Company Description

Workassist is an online recruitment and employment platform based in India, connecting employers with the right talent across diverse industries. By leveraging technology in e-recruitment, Workassist delivers curated profiles to employers and job opportunities to seekers of all experience levels. With a commitment to enhancing the hiring process, Workassist serves industries such as Banking & Finance, Consulting, Sales & Marketing, Healthcare, IT, Operations, and Legal. Our global reach and adaptability ensure the best matches for both job seekers and recruiters.

(Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well).

So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, don't hesitate to apply today. We are waiting for you!