CBGCredit Analyst MEG

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 credit, 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:Credit Analysts play an integral role in the credit appraisal process. They help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. They work closely with RMs to assess the credit worthiness of customers, and prepare credit proposals in line with the requirement and policy guidelines.Key Responsibilities Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelinesConducting review/renewal of accountsPreparing and putting up various notes like appraisal, review, risk replies, etc.Coordinating with stakeholders belonging to various verticals during the process of sanctioning, credit delivery, audit and recoveryMaintaining 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 backgroundManagement graduates/CAs/ICWAs will be preferred Role Proficiencies:For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and conceptsProcess orientationGood communication (both verbal and written) skills in both