Job Description

Availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements. Ensuring faster TATs in a highly competitive & dynamic market conditions and scale of operations due to voluminous retail transactions as well as structured high value deals. Liasing with external agencies (legal, Technical, verification) to ensure that crdit risk, customer risk & property risk are all mitigated. Cross functional coordination to enable timely approval of credit proposals. Pro- active monitoring and regularization of sticky accounts as well as pending documents. Self updation on economic / sectoral changes in the economy Seamless co-ordination with multiple internal and external entities The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision making skills, initiative & target orientation & market intelligence developed through a strong industry network. Profile also requ ires good interpersonal skills due to high cross functional engagement not only internal teams and stake holders but also with external agencies. The role also calls for team management and man-management skills as the Sr. Credit Analyst needs to co-ordinate with various people to achieve his job objectives. The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 0-4yrs of experience in credit and risk functions of Banks/NBFCs. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas ( Max 1325 Characters) Supporting Actions ( Max 1325 Characters) To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels To scrutinize the credit proposals by analyzing the client creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance & adherence to other internal credit norms To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer. To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. To submit Credit Appraisal Memo to the Sr. Credit Analyst / Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision. Ensuring no loss of revenue by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans.Ensuring proper mortgage is created in favour of ABFL. Ensuring the underlying security mortgaged is marketable and having a clear title. To monitor the existing portfolios based on designed formats and parameters To monitor the Mortgages portfolio performance by continual analysis of changes in fundamentals & reviewing the ratings change, analyze covenants for deviations and evaluate industry performance norms in that sector To monitor the overdue position and take appropriate steps to support the recovery process for the same. Follow up for the pending OTC and PDD documents for the location, Critical review of the pending documents. Monitoring and keeping an eye on loans by tracking various covenants and monitoring sanction condition put in the proposals at the time of approvals. To maintain network with other financial institutions and able to take independent local industry references for customers if required To adhere to compliance policies in proposal evaluation To ensure that each proposal complies with credit policies; internal & external norms of lending To be involved in continual revision of credit norms by giving requisite inputs to the management To support development of new credit policies and evaluation norms To ensure compliance with robust documentation mechanism To maintain thorough documentation process for effective tracking of proposal documents and TAT monitoring To prepare regular MIS for areas under risk management and give presentation to various stakeholders To prepare MIS & trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle & send them to the team leader/CRO 5) Job Purpose of Direct Reports : Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) NA 6) Relationships : Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type ( Max 80 Characters) Frequency Nature ( Max 1325 Characters) Internal Head Credit, Risk & compliance Regional Credit Manager Mortgages Credit Analyst / CPA Sales team Operations dept Other support functions Weekly Daily Daily Daily Daily MIS, intimation in cases requiring management intervention Recommendations on loans, ongoing portfolio/client reviews, documentation audits MIS, intimation on major shortfall/skips/defaults in portfolios Client servicing issues, Mortgage creation, Disbursal completion Business discussions for smooth operations External Clients Auditors/ Lawyers/ Valuers/ FI & Fraud Containment Agencies All proposal daily/ alternate day Need based Daily CRM & Proposal discussions, understanding the market pulse, Review Meetings and Collection Meetings CRM, understanding the market pulse of new initiatives etc Ensuring proper Credit and Business discussions for smooth operations 7) Organizational Relationships : Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position. SIGN-OFF : Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to Manager Name Signature (needed for the hard copy) Qualifications: Under Graduate Minimum Experience Level: 10-20 Years Report to: NA