Job Description
To support Relationship Management teams in the following activities.
- Preparation and submission of #CreditMemos to Credit team for NBFCs on-lending,Direct Assignment, transactions, and Co-lending/ BC Partnerships
- Completion of legal documentation in coordination with the Client, Legal, Credit & Credit Control Unit
- Assisting RM in completing client onboarding/KYC reviews
- Regular monitoring of clients, exposure, and portfolio.
- Submission of periodic reports to RMs, Credit and other stakeholders
- Follow up for regularization of overdue.
- Client servicing in coordination with internal units.
- Highlighting any early warning signs of the portfolio to the RMs
- Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products.
Key Accountabilities :
- To prepare accurate credit proposals in a consistent, concise, and lucid manner.
- To maintain close working relationship with Business Unit to ensure-that department deliverables are met.
- Need-based meeting with customers to understand business and attendant risks.
- Cross sell of other products such as trade, cash, Fx etc.
- To monitor portfolio for irregularities excesses breaches delays/overdue renewal.
- Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance with external & internal audits.
- Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
- Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
- Monitor levels of complaints and quality of handling.
- Communicates all key messages to customers including agreed service standards. negotiated prices
- Preparation and submission of #CreditMemos to Credit team for NBFCs on-lending,Direct Assignment, transactions, and Co-lending/ BC Partnerships
- Completion of legal documentation in coordination with the Client, Legal, Credit & Credit Control Unit
- Assisting RM in completing client onboarding/KYC reviews
- Regular monitoring of clients, exposure, and portfolio.
- Submission of periodic reports to RMs, Credit and other stakeholders
- Follow up for regularization of overdue.
- Client servicing in coordination with internal units.
- Highlighting any early warning signs of the portfolio to the RMs
- Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products.
Key Accountabilities :
- To prepare accurate credit proposals in a consistent, concise, and lucid manner.
- To maintain close working relationship with Business Unit to ensure-that department deliverables are met.
- Need-based meeting with customers to understand business and attendant risks.
- Cross sell of other products such as trade, cash, Fx etc.
- To monitor portfolio for irregularities excesses breaches delays/overdue renewal.
- Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance with external & internal audits.
- Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
- Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
- Monitor levels of complaints and quality of handling.
- Communicates all key messages to customers including agreed service standards. negotiated prices
💡 Quick Summary
Seeking a career-building opportunity? The Credit Analyst | Bank |2|8 yrs position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.