Senior Business Analyst-Mid Market-Mumbai (Maharashtra)

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews. Credit Analysis Operations Supporting Actions: - Analyzes credit applications to determine the degree of risk involved in extending credit - Makes prudent business decisions based on internal credit policy guidelines to approve or deny the extension of credit within established credit authority. - Analyzes financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction. - Prepares, evaluates & underwrites finance proposals - Implements & ensures adherence to credit policies and processes - Strategizes & sees through the policy/ industry / market changes & implements the same in underwriting decisions - Facilitates faster deal closures through proactive participation in deal structuring & credit enhancement - Maintain desired TATs for deal processing by collaborating actively with sales, risk and operations teams - Carries out personal discussions with clients for underwriting loans for Mid - Market when required - Works with the CAD and sales teams to ensure effective and complete loan documentation - Liaises with risk/ legal department on non-standard documents and/or exceptions to policy to ensure loan sanction process runs smoothly and compliantly Sales Support Operations Supporting Actions: - Complements sales relationship management activities by maintaining regular touch points with existing clients on collateral health and credit limit utilization - Meets with clients as required in conjunction with sales to support negotiations/ deal structuring if required Stakeholder Management Supporting Actions: - Builds good relationships with marketing/sales representatives, to structure loans to minimize risk and to close loans, and interacts effectively with a variety of departments. - Develops and maintains strong business relationships with sales team members to ensure sales volume objectives and credit quality are both .