Job Description
Job title: Senior Credit Analyst/ Analyst
Grade Band: AVP/DVP
Location: Mumbai / Pune / Delhi / Hyderabad
BU/Function : CRO
Reports to: Zonal Head
Role Details:
- Appraisal of credit proposals submitted by business team in line with the policy within laid down TATs.
- Validation of details/analysis presented in the proposal. Ensuring that details presented are in line with internal/external guidelines.
- Advise/propose modification in credit structures if required.
- Regular monitoring of account performance, escalating breaches, red flags in timely manner.
- Keeping abreast with latest developments in economy, industry. Training team members.
Overall Job Description:
- Vetting proposal of prospective ELC proposals (turnover range of Rs. 150 to 750 Crs) for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc.
- Client meeting, do evaluation of prospective customer and market, understand client's requirement, structuring proposals/deals within Banks credit guidelines, Credit Programs and customers requirement.
- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.
- Performing detailed credit and background reference checks on all prospective for ELC Clients.
- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.
- Joint monitoring of portfolio with account relationship team based on early warning systems.
- Preparing Risk/ Rating sheets making recommendations to approving committees.
- Monitoring of portfolio on ongoing basis for early warning signals
Grade Band: AVP/DVP
Location: Mumbai / Pune / Delhi / Hyderabad
BU/Function : CRO
Reports to: Zonal Head
Role Details:
- Appraisal of credit proposals submitted by business team in line with the policy within laid down TATs.
- Validation of details/analysis presented in the proposal. Ensuring that details presented are in line with internal/external guidelines.
- Advise/propose modification in credit structures if required.
- Regular monitoring of account performance, escalating breaches, red flags in timely manner.
- Keeping abreast with latest developments in economy, industry. Training team members.
Overall Job Description:
- Vetting proposal of prospective ELC proposals (turnover range of Rs. 150 to 750 Crs) for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc.
- Client meeting, do evaluation of prospective customer and market, understand client's requirement, structuring proposals/deals within Banks credit guidelines, Credit Programs and customers requirement.
- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.
- Performing detailed credit and background reference checks on all prospective for ELC Clients.
- Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy.
- Joint monitoring of portfolio with account relationship team based on early warning systems.
- Preparing Risk/ Rating sheets making recommendations to approving committees.
- Monitoring of portfolio on ongoing basis for early warning signals
💡 Quick Summary
Seeking a career-building opportunity? The IndusInd Bank | Senior Credit Analyst|Analyst position is now open for candidates interested in the Bank Jobs sector. This role in Pune 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.