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Credit Analyst - Corporate Banking

Mumbai, Maharashtra

Array Management Consultants

Job Description

Functional Responsibilities:

Conducting the Deal Review Meeting for the new proposals submitted form Pan India
Entrusted with the responsibility of handling portfolio of corporate clientele.
Meeting & interacting with clients to address the needs of the customers with the RMs.
Preparation of credit approval memos and underwriting of loan to take key decision with in depth study of business model and industry research.
Adhering to internal processes for quality and delivering required work of high quality credit reviews on time.
Training the new joinee on the process and mentoring them.

Credit Appraisal

Processing and evaluating financial, technical and feasibility of credit proposal considering the risk involved in the credit proposal.
Evaluating the financial strength based on fund flows, liquidity, servicing ability, composition of capital structure, contingent liability, ranking of creditors, forex exposure, hedging instruments.
Correlating technical strength based on the growth drivers, comparison with industry standard, market factors, action plans, mitigating factors, threats due to change in business environment, domestic/international regulatory conditions and country risks.
Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area.
Detail analysis of business, Financial statement to arrive internal credit rating for client
Participating in credit due diligence in coordination with credit managers
Review Loan application ,ITR,KYC document, Bank Statement as per product policy
Scrutinize Confidential report of Borrower
Configuring Financial data and documents in system
Involve in credit analysis and conduct of subsequent sanction and disbursement document
Preparation of credit approval memos(CAM)
Preparing and presenting credit recommendations to Head Credit and Head Corporate Banking
Reviewing existing portfolio and classifying SMA account and NPA level
Dealing with amendments, extension and other ad hoc request of clients
Adhering to internal processes for quality and delivering required work of high quality credit reviews on time
Interacting periodically with clients, conducting PD and structure the right product as per client requirements

Company Description

Array Management Consultants is a powerful recruitment & executive search company.... Array specializes in understanding the needs of both clients and candidates and thus provides the best quality services to our clients at every step of their organization. At Array, we are committed to deliver recruiting services that reduce recruitment costs while increasing speed and efficiencies.  Read full description

Additional Information

Last updated:
12/08/2018
Job type:
Full time
Position type:
Permanent
Vacancies:
1
Minimum experience:
Two years
Education:
Compulsory Education
Category:
Jobs in Banking / Financial Services
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