Job Description
Specialist, Credit Analyst, Mid Market-(WD54174)
>
> Position Title: Credit Analyst
>
> Department: IBG 3
>
> Reports To: Executive Director
>
> Job Purpose
>
> ØTo support Relationship Management teams in the following activities,
>
> ØPreparation and submission of Credit Memo to CCG
>
> ØCompletion of documentation formalities in coordination with the client & CCU
>
> ØAssisting RM in completing Legal & Valuation reports
>
> ØFollow up ofoverduefor regularization
>
> ØClient servicing in coordination with internal units.
>
> ØHighlighting any early warning signsof the portfolio to the RMs
>
> ØManage 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 Accountabilities
>
> ØTo prepare accurate credit proposals in a consistent, concise and lucid manner.
>
> ØTo maintain close working relationship with Business Unit to ensure that IBG deliverables are met.
>
> ØNeed-based meeting with customers to understand business and attendant risks.
>
> ØCross sell of other products such as trade, cash and foreign exchange.
>
> ØTo monitor portfolio for irregularities/ excesses/ breaches/ delays.
>
> ØEnsure 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.
>
> ØEnsure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
>
> ØControl and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
>
> ØMonitor levels of complaints and quality of handling.
>
> ØCommunicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes.
>
> ØMonitor and ensure adherence to risk service standards
>
> Job Duties & responsibilities
>
> ØPreparing spreads which are consistent, error-free and in line with classification parameters used in DBS.
>
> ØProviding concise and relevant financial analysis by clearly identifying risks.
>
> ØEnsure reviews are completed prior to due date and are error free.
>
> ØInteract and follow up with clients on required information and clarifications.
>
> ØAdhere to the risk management guidelines of DBS, MAS and RBI.
>
> ØEnsuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio.
>
> ØControl and manage the risk profile for the overall Team portfolio.
>
> ØManage performance against key financial (risk-adjusted contribution) sales, service and operational targets.
>
> ØDevelop Account Relationship Plans for customers in portfolio
>
> Required Experience
>
> ØOverall, 5-8 years of experience in sales / sales support activities.
>
> Ø2 - 3 years of sales experience in business banking and/or cash management.
>
> ØProven sales track record in asset business in the SME/Business Banking segment.
>
> ØKnowledge of competitors and marketplace
>
> ØMarket knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable
>
> Education / Preferred Qualifications
>
> ØAn MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the Mid-Market Banking segment
>
> Core Competencies
>
> ØGood written and verbal communication skills
>
> ØGood Analytical skills.
>
> ØSelf-driven and highly ambitious
>
> ØResults-orientated & the ability to handle pressure
>
> ØRelationship building & management skills
>
> ØUnderstanding of competitor products
>
> ØComfortable with tight deadlines
>
> Technical Competencies
>
> ØSound understanding of asset products and associated technology platforms and operational procedures
>
> ØUnderstanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.
>
> ØKnowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients
>
> Position Title: Credit Analyst
>
> Department: IBG 3
>
> Reports To: Executive Director
>
> Job Purpose
>
> ØTo support Relationship Management teams in the following activities,
>
> ØPreparation and submission of Credit Memo to CCG
>
> ØCompletion of documentation formalities in coordination with the client & CCU
>
> ØAssisting RM in completing Legal & Valuation reports
>
> ØFollow up ofoverduefor regularization
>
> ØClient servicing in coordination with internal units.
>
> ØHighlighting any early warning signsof the portfolio to the RMs
>
> ØManage 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 Accountabilities
>
> ØTo prepare accurate credit proposals in a consistent, concise and lucid manner.
>
> ØTo maintain close working relationship with Business Unit to ensure that IBG deliverables are met.
>
> ØNeed-based meeting with customers to understand business and attendant risks.
>
> ØCross sell of other products such as trade, cash and foreign exchange.
>
> ØTo monitor portfolio for irregularities/ excesses/ breaches/ delays.
>
> ØEnsure 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.
>
> ØEnsure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
>
> ØControl and quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies.
>
> ØMonitor levels of complaints and quality of handling.
>
> ØCommunicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes.
>
> ØMonitor and ensure adherence to risk service standards
>
> Job Duties & responsibilities
>
> ØPreparing spreads which are consistent, error-free and in line with classification parameters used in DBS.
>
> ØProviding concise and relevant financial analysis by clearly identifying risks.
>
> ØEnsure reviews are completed prior to due date and are error free.
>
> ØInteract and follow up with clients on required information and clarifications.
>
> ØAdhere to the risk management guidelines of DBS, MAS and RBI.
>
> ØEnsuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio.
>
> ØControl and manage the risk profile for the overall Team portfolio.
>
> ØManage performance against key financial (risk-adjusted contribution) sales, service and operational targets.
>
> ØDevelop Account Relationship Plans for customers in portfolio
>
> Required Experience
>
> ØOverall, 5-8 years of experience in sales / sales support activities.
>
> Ø2 - 3 years of sales experience in business banking and/or cash management.
>
> ØProven sales track record in asset business in the SME/Business Banking segment.
>
> ØKnowledge of competitors and marketplace
>
> ØMarket knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable
>
> Education / Preferred Qualifications
>
> ØAn MBA or CA with relevant number of years of experience in banking and specifically in selling asset products in the Mid-Market Banking segment
>
> Core Competencies
>
> ØGood written and verbal communication skills
>
> ØGood Analytical skills.
>
> ØSelf-driven and highly ambitious
>
> ØResults-orientated & the ability to handle pressure
>
> ØRelationship building & management skills
>
> ØUnderstanding of competitor products
>
> ØComfortable with tight deadlines
>
> Technical Competencies
>
> ØSound understanding of asset products and associated technology platforms and operational procedures
>
> ØUnderstanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical.
>
> ØKnowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients
💡 Quick Summary
Seeking a career-building opportunity? The Specialist| Credit Analyst| Mid Market |ZOS|+47 position is now open for candidates interested in the Bank Jobs sector. This role in New Delhi 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.
