Business Credit Expert

Job description
Job Description:
As a Credit Analyst, you will be responsible for conducting thorough credit evaluations of proposals from Non-Banking Financial Companies (NBFCs) and Finance Institutions (FIGs), ensuring compliance with bank policies. Your key objective is to maintain a high-quality portfolio by efficiently processing all credit proposals and post-disbursement credit control.

Key Responsibilities:
• Conduct CIBIL checks and internal deduplication as per process.
• Analyze proposals received from the business team, raise queries as necessary, and provide solutions.
• Presentation of credit appraisal memos for term loans to NBFCs/FIGs, covering key aspects such as management, financials, operations, and portfolio reviews.
• Recommend loan amounts and present loan proposals to the credit committee.
• Prepare draft sanction letters outlining key conditions.
• Perform loan utilization checks and monitoring visits at regular intervals.
• Follow up with delinquent clients, assessing ongoing early warning signals. Read more