CBG:Credit Analyst - CAMPU

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 and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc

About the Role

The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in 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.)
• Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
• Conducting review / renewal of accounts
• Maintaining 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