Evaluation and preparation of credit proposal of mid to large corporate borrowers.

Credit Analyst

Evaluation of companies on the basis of Business, Financial, Management, Industry, Project Risk and other due diligence and preparation of credit appraisal report for presenting to the credit sanctioning committee.Performing financial statement analysis, preparing financial spreadsheets and computing key ratios such as current ratio, debt-to-equity ratio etc. Analysis of cash flow and funds flow statements to trace the sources and uses of funds for funding both working capital and capital expenditure plans.Conducting credit rating for all borrowers through internal credit rating tool on the basis of financial, management, business and industry aspects of the borrower.In-depth analysis of business models, their effectiveness and inherent risks through client interactions, meetings with other consortium lenders and unit/ factory visits.Monitoring and ensuring the quality of assets in concurrence with adherence to regulatory guidelines and Bank’s internal guidelines.

Analysis of the business, industry, financials and management profile of the clientsAssessing the creditworthiness of the clientsPresenting the proposals before the sanctioning committee and highlighting the risk attached with the proposalProviding Risk comments on Credit Approval Memo/Business ProposalsPost disbursal credit monitoring and ensuring regulatory complianceLiasioning with internal control teams to ensure completion of documentation