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Team Lead - Credit Analyst - Business Banking

8-13 Years

This job is no longer accepting applications

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  • Posted 2 months ago
  • Over 50 applicants

Job Description

Responsibilities:

  • Conduct credit appraisal of prospective SME clients for fund-based exposures such as Working Capital, Overdraft, Cash Credit, Term Loan, etc., and non-fund based exposures like Letter of Credit and Bank Guarantee.
  • Prepare detailed proposal notes and ensure timely clearance from credit sanctioning committees.
  • Meet clients to evaluate their requirements and market conditions; structure proposals/deals adhering to the bank's credit guidelines, credit programs, and client needs.
  • Monitor economic and industry developments along with financial parameters of clients to detect potential risk triggers or stress signs and take appropriate mitigating actions.
  • Perform detailed credit and background reference checks on all prospective SME FI clients.
  • Present credit proposals to sanctioning committees to obtain sanction and approval as per bank policies.
  • Jointly monitor portfolio health with account relationship teams based on early warning systems.
  • Prepare risk and rating sheets, making informed recommendations to approving committees.
  • Approve credit cases within delegated authority limits.
  • Continuously monitor the portfolio for early warning signals to proactively manage risks.

Skills Required:

  • Credit appraisal and analysis
  • Risk assessment and mitigation
  • Financial statement analysis
  • Proposal writing and presentation
  • Knowledge of fund-based and non-fund-based banking products
  • Client relationship management
  • Market and industry research
  • Strong analytical and decision-making skills
  • Communication and interpersonal skills
  • Ability to work with sanctioning committees and internal teams
  • Knowledge of banking policies and regulatory guidelines

More Info

Job Type:
Function:
Employment Type:
Open to candidates from:
Indian

About Company

Skillventory is a leading name among top recruitment consultants having clients PAN India. Started in 2008, we feel delighted to state that we helped in shaping the careers of more than 20000 job seekers. We are a full spectrum Manpower Consultancy Firm, fulfilling manpower requirements of businesses by offering the wide range of services from Executive Search, Recruitment, Specialists-on-Contract, HR Automation, Consulting, Outsourcing, and Training. We are easily accessible, reachable and serving clients across India effectively and efficiently, as we are located in 6 major locations of the country, with Workstations in Indore , Mumbai , Ahmedabad ,Bangalore , New Delhi and Pune The other evidence of our best services is that we work as RPO (Recruitment Process Outsourcing) firm, where clients and companies transfer their recruitment worries on us. From beginning to end, i.e., right from sourcing the right candidate, interview, offer, acceptance, till his final joining, we handle recruitment process smoothly on behalf of the company. Skillventory is a preferred recruitment partner for multinational and pioneered Indian companies because of its trustworthiness, commitment, dedication, and capabilities. Our versatile, skilled and talented employees are generating best employment opportunities for professionals ranging from front line to senior positions. Our domain-specialist teams consist of 100+ expert consultants who are capable enough to provide customized and innovative HR consultancy services to more than 10+ industry practices namely Investment Banking & Firm, Consulting, Manufacturing, Banking & Financial Services, Insurance, Retail, Healthcare, Pharma, IT/ITES, E-Commerce and much more. Our strength lies in data analytics hiring, audit related recruitment, housing finance hiring, payment banking recruitment etc. Our work principles are based on the concept of placing Right Person at the Right Job on Time.

Job ID: 126055315