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 DelinquencyReview 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/PSMHighlighting 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 FocusListens to and demonstrates an understanding of customers stated needsDelivers customer value through timely and quality executionDevelops an understanding of problems and employs existing or new methods to find solutionsProfessional EntrepreneurshipTakes proactive and constructive action at work with little or no direction from othersDisplays responsibility for problems, initiatives and tasks that lie within the domain of own role. Drive for ResultsSeeks to understand the rationale for key decisions and understands implications for own role/ actionsDisplays a sense of urgency to deliver outcomes as per stated timelinesReacts to challenges by displaying an optimistic demeanorQuality FocusEnsures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of workAdheres 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 peopleSets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performanceEnables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authorityCoaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and supportEnables ChangeDisplays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approachesCascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transitionEncourages 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