Senior Business Analyst - CF - Bangalore

Key Result Areas
Supporting Actions
KRA – 1
Evaluation – Credit Analysis
Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure
Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.
Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations
Liaison with external agencies for due diligences – legal, technical, valuation, financial diligence, etc.
Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review
KRA – 2
Evaluation - Note Preparation
Case Underwriting within guidelines of regulatory framework and ABFL polices
Preparing Credit Assessment Memo for transactions
Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.
Issuance of sanction Letter to the customer as per the note prepared and sign-off provided.
Initiate framework for Post disbursement monitoring activties
Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review
KRA – 3
Execution – Case Documentation
Case Documentation within guidelines of ABFL polices and framework
Prepare and execute Pre & Post transaction documentation
Co-ordinate with customer for information and documentation from login to post disbursement
Carrying out Post disbursement monitoring activties
Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures
Carrying out post closure formalities.
KRA – 4
Quality Compliance
Customer Back-office coordination on day to day operational activities to align with ABFL compliance policies.
Processing of Escrow fund transfers on daily basis
Processing of NOC requests on daily basis
Collection, evaluation and follow up with internal / external environment for following activities:
Sales MIS – to be obtained from customer on monthly basis
COP & MOF – to be obtained from customer on quarterly basis
Subsequent progress reports – to be obtained from valuer on quarterly basis
Opening and Activation of Escrow Accounts
Tracking and closure of PDDs
EMI / Interest dues / LOC dues presentation – to be obtained from operations and collected from customer on monthly basis
Legal Diligence & Technical / valuation reports
Calculation, maintenance and release of DSRA
Maintenance of tracker for Insurance policies of funded cases
Audited Financials of borrowers / guarantors – to be obtained from customer on annual basis
TDS reconciliation – to be obtained from customer on quarterly basis
Credit Application & Processing in system
Providing Statements of Accounts and Balance confirmations to customer.
Providing Credit Information Reports to other lenders.
KRA – 5
Quality NPA, SMA2
Compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies
Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels
Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors and highlight early warning signals
Understand local currents and risk factors, providing an input to take decisions on new and existing loans

Work arrangement
No