Company Details

SBI SME Credit Analyst

Job ID

: 4067


: Mumbai, Maharashtra, India


: ₹None

Job Views

: 24


: 1 month ago

Key Skills
CA/ MBA (Finance) / PGDM (Finance) /PGDBM(Finance)

Job Description

At least three years of post basic skill work experience as on 01.01.2020 in a
Bank/NBFC/PSU/FIs/Credit Rating Company. Post qualification experience in high value credit is required.
Experience should be in appraisal/assessment of credit proposals of medium/large corporates.

Last Date for Application Closing : 13th July 2020

? Timely completion of Inspection / Renewals as Appraiser, such as Credit Risk Assessment proposals
? Preventing maximum marks for the AMT in Credit Audit in Pre-Sanction
? Assisting Relationship Manager in achieving Budgeted increase in Other Income for the AMT
? Ensuring ABS considered for the suggestions would be the same as registered with ROCs
? Ensuring achievement of satisfactory RAROC (Risk adjusted Return on Capital) for each unit at the AMT
? Evaluation and evaluation of credit proposal including Ad hoc facilities/structuring/rehabilitation proposals/any other kind of business or overall proposal pertaining to the device.
? Ensuring timely/review/renewal of credit limitations.
? Obtaining data/information from clients for evaluation and processing of the proposal.
? Interacting with key officials at the borrowing units for accessing data/statements etc..
? Obtain and verify the authorized search reports/ evaluation reports for properties provided as Primary/Collateral securities.
? ROC Look at every sanction of the constraints to the device.
? Organizing for compilation/updation of view reports and CIRs.
? Organizing for D & B/Credit Reports and their evaluation, wherever required.
? Obtaining external credit ratings of their clients.
? Credit related notes such as RMD deviations/any other deviations, concession etc or non-business/proposals to competent authorities.

Article - Sanction Stage:
? Planning of Deal letter and ensuring that all of the terms and conditions of sanction have been incorporated therein.
? Attending consortium meetings with Relationship Manager, wherever required.
? Evaluation of FFRs and other financial statements placing up to Relationship Manager and carrying up issues/observation listed, together with the company.
? Attending to the charge associated correspondence with external and internal agencies.
? Periodical inspections according to the directions of Relationship Manager.
? Tracking and monitoring significant developments from the industries/activities where the creditors operate/have interests.
? Production, maintenance and updation of profile profile according to the format devised by the Relationship Manager/Branch Head/Bank.
? Monthly updation of pricing/concession to be prepared for verification/checking by Relationship Manager (And for entry to Concurrent Auditors).
? Credit Analyst who is a regular bank officer will perform the function of Service Officer in his or her absence.
? Preparation of outstanding issues/non-compliance with the conditions of sanction in pre-sanction regions for every firm and its updation, on resolution of the issues involved.
? Assisting Relationship Manager in preparation of Annual Action Plan.
? Any other job/task relating to dispensation or administration of any other particular task of any character arising from business or administrative exigencies or perhaps otherwise under
Directions of Chief Manager/Relationship Manager/Branch Head.
The actions mentioned above are illustrative only and Credit Analyst is primarily responsible for all actions as guided by Relationship Manager/ Branch Head from time to time.
? Amount of CASA Deposits
? Branch Credit Score
? Other Income(Branch) & BG Income
? Forex Remuneration
? LC Income
? Operating Profit
? Amount of Advances
? LC Opened(Volume)
? BG Opened(Volume)
? Forex Volume
? Gross Interest Income

Employment Types
Full time Contractor

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