Senior Credit Analyst

SECTION II: ROLE SUMMARY
Ensure quality Appraisal of credit for worthy borrowers.
Ensure timely credit and transaction approvals for delegation under self.
Managing loan portfolio with respect to credit rating/quality.
Identify de risk account / AL accounts.
Monitoring of Team TAT and Productivity.
Ensuring adherence to the credit policy and process.
Review of Delinquency
Review exceptions and approval for knocking.
Revert on the Hindsight and Internal audit observations
SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
Strategic/ Managerial Responsibilities
Ensuring Credit appraisals are done within TAT
Ensuring adherence to the credit policy and process.
Core Responsibilities
Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM
Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet
Timely completion of credit appraisals / renewals/PSMs with effective structures
Customer Meetings and Discussion along with factory/ Unit visit where ever required.
Timely closure of exceptions & managing limit/facility overdue.
Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action
Interaction with various stakeholders (internal and external) for review of such customers
Carry out internal rating of customers and assign/review rating
Maintain/monitor Credit Hygiene
People Management Or Self-Management Responsibilities
Timely/ effective closure of transaction requests. Minimal CAM over dues.
Timely closure of exceptions & managing limit/facility overdue.
Risk And Internal Control Responsibilities
Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management
SECTION IV: KEY INTERACTIONS
Key Internal Interactions
Purpose of Interaction
Business Team
To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency
Policy Team
For clarification / guidelines as and when required
Product Team
For clarification / guidelines as and when required
Key External Interactions
Purpose of Interaction
Customers
As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case
SECTION V: KNOWLEDGE & EXPERIENCE
KNOWLEDGE
Minimum Qualifications
BE/ CA/ MBA/ any other professional qualification related to our field from a reputed institute
Professional Certifications
BE/CA/ MBA from a reputed institute
Language Skills
Written and spoken English is essential
Experience
Years of Experience
Minimum of 2 years and above work experience in credit evaluation in a Bank / Financial Institution
Fresh CA/ MBA from reputed institute also can be taken.
Nature Of Experience
Credit Evaluation in any Bank/ FI
SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS
BEHAVIORAL COMPETENCIES
Core Competencies
Competency Name
Behaviors
Customer Focus
Listens to and demonstrates an understanding of customers’ stated needs
Delivers customer value through timely and quality execution
Develops an understanding of problems and employs existing or new methods to find solutions
Professional Entrepreneurship
Takes proactive and constructive action at work with little or no direction from others
Displays responsibility for problems, initiatives and tasks that lie within the domain of own role.
Drive for Results
Seeks to understand the rationale for key decisions and understands implications for own role/ actions
Displays a sense of urgency to deliver outcomes as per stated timelines
Reacts to challenges by displaying an optimistic demeanor
Quality Focus
Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
Leadership Competencies
Competency Name
Behaviors
Lead and Develop people
Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance
Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority
Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support
Enables Change
Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches
Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition
Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety
TECHNICAL COMPETENCIES
Technical Competencies
Financial Analysis and Market knowledge of industry segment

Work arrangement
No