Job Description
Specialist, Credit Analysis, Middle Market
BU : IBG 3
Job Purpose : To support Relationship Management teams in the following activities,
. Preparation and submission of Credit Memo to CCG
. Completion of documentation formalities in coordination with the client & CCU
. Assisting RM in completing Legal & Valuation reports
. Follow up of overdues for regularization
. 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 transaction banking products and help the team in detecting early warning signals in their portfolios.
Key Accountibilities :
• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Business Unit to ensure that IBG deliverables are met.
• Need-based meeting with customers to understand business and attendant risks.
• Cross sell of other products such as trade, cash and foreign exchange.
• To monitor portfolio for irregularities/ excesses/ breaches/ delays.
• Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal audits.
• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
• Control and 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 pricing, relationship team contact points (including introductions to new personnel) and new product changes.
Monitor and ensure adherence to risk service standards
Job Duties & Responsibilities
BU : IBG 3
Job Purpose : To support Relationship Management teams in the following activities,
. Preparation and submission of Credit Memo to CCG
. Completion of documentation formalities in coordination with the client & CCU
. Assisting RM in completing Legal & Valuation reports
. Follow up of overdues for regularization
. 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 transaction banking products and help the team in detecting early warning signals in their portfolios.
Key Accountibilities :
• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Business Unit to ensure that IBG deliverables are met.
• Need-based meeting with customers to understand business and attendant risks.
• Cross sell of other products such as trade, cash and foreign exchange.
• To monitor portfolio for irregularities/ excesses/ breaches/ delays.
• Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPA's. Also ensure assistance to external & internal audits.
• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
• Control and 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 pricing, relationship team contact points (including introductions to new personnel) and new product changes.
Monitor and ensure adherence to risk service standards
Job Duties & Responsibilities
💡 Quick Summary
Seeking a career-building opportunity? The Specialist| Credit Analysis| SME Banking 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.
