CBG|Credit Analyst

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around credit, forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.

About the Role:

Credit Analysts play an integral role in the credit appraisal process. They help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. They work closely with RMs to assess the credit worthiness of customers, and prepare credit proposals in line with the requirement and policy guidelines.

Key Responsibilities
• Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
• Conducting review/renewal of accounts
• Preparing and putting up various notes like appraisal, review, risk replies, etc.
• Coordinating with stakeholders belonging to various verticals during the process of sanctioning, credit delivery, audit and recovery
• Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc

Qualifications:

Optimal qualification for success on the job is:
• Graduates with a good academic background
• Management graduates/CAs/ICWAs will be preferred

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:
• Good understanding of financial ratios and concepts
• Process orientation
• Good communication (both verbal and written) skills in both English and the local language

#ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply