Job Description

Opportunity is with MNC Bank

Ensure a high standard of credit governance in the portfolio

Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval

Work on a specified portfolio with primary responsibility to manage the credit risk associated with the same and ensuring high quality of the portfolio

Closely work with the Origination team & play a vital role in structuring appropriate solutions from a credit policy regulatory other governance perspective

Key responsibilities

Credit Analysis

Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval

Work with RM product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

Ensure compliance of all internal and regulatory credit other portfolio policies

Develop industry product expertise

Credit Monitoring

Monitor quality of the portfolio by tracking Excess past dues, strictly complying with internal processes

Ensure Zero over dues in terms of annual facility renewals

Responding to Audit queries and ensuring nil audit issues

Regularly track the MTM and escalate exceptions

Regular client visits and monitoring

Others

Credit Analyst will be the complete storehouse of knowledge base of the client

Prepare timely Stress Tests wherever required

Prepare specific industry studies as required

Provide inputs in account planning process including potential deal opportunities

Work with the deal team in deal execution including closing documentation issues with clients, meeting internal requirements etc.

Credit Quality

Work with Credit Risk to drive improvements in submission quality across the portfolio.

Identify and drive improvements in credit processes.

Driving performance on key credit metrics (such as overdue annual renewals, Rework, Turnaround time on proposals, covenant risk trigger monitoring etc)

Key measures

Effective inputs into transaction structuring with Origination team structured credit handled successfully

Effective handling of complex difficult credits

Completion of proposals and obtaining Credit approvals on time to facilitate timely of transactions.

No. of refer backs in proposals

No. overdue annual renewals, quarterly reports, covenants risk triggers

Satisfactory Audit and other internal & external reviews

No audit comments on non adherence to policies.

Inputs provided in deal origination and idea generation

Effective deal coordination and execution