01Overview
Implement risk management processes at the ground level for the construction fice business, gaining a thorough understanding of the project and developer and preparing a credit memo to assess the project viability and proposal structure as per ABHFL risk parameters and customer requirements. Key activities are analysis of project viability, assessment of market information and developer ficials.
Job Context Major Challenges
Organizational Context
The Business Credit Analyst is an integral part of the Construction Fice Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.
The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.
He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., coordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process.
Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes.
Generating various MIS s and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect.
Key Challenges
Cross functional coordination to enable timely approval of credit proposals
Selfupdating on economic / sectoral changes in the economy
Improvising on TAT
Seamless coordination with multiple internal and external entities
New product development
Enabling Skill Sets Qualifications
The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation decisionmaking skills, initiative target orientation market intelligence developed through a strong industry network.
The education experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 24 years of experience in credit and risk functions of Banks/NBFCs.
Key Result Areas
Supporting Actions To Assess and conduct detailed credit analysis evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level
Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and ficials
Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements
Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
