Job Description & Responsibilities

CBG:Credit Analyst

INTERNAL USAGE

No. of Vacancies

Reports to

Is a Team leader

Team Size

Grade

Business

Department

CBG

Sub-Department

Location

About Commercial Banking Group

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.

AbouttheRole

Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements

Key Responsibilities

Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.)
Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
Conduct review / renewal of accounts
Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.

Qualifications

Optimal qualification for success on the job is

Graduates with a good academic background
CAs/Management Graduates/ICWAs will be preferred

Role Proficiencies

For successful execution of the job, the candidate should possess the following:

Good understanding of financial ratios and concepts
Good communication (both verbal and written) skill in both English and the local language