Credit Analyst (Wholesale Banking)

Credit Analyst

Detailed Roles And Responsibilities

• Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.
• Prepare credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework and provide recommendations.
• Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
• Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.
• Assess the credit worthiness by accumulating pertinent information (strengths and weaknesses relating to historical functional performance) regarding customers for facilities granted/to be granted.
• Liaise with the respective employees, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.
• Review to ensure that all the documentations are in line with the Credit Approvals and credit policies.
• Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc.
• Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed.
• Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.

Qualifications And Experience Required

• University graduate with a degree in Business or Banking or Finance or any other related discipline.
• Master’s degree in Management any other related discipline will be an added advantage.
• 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
• Experience in credit analysis, with strong understanding of the local banking industry.