Key Responsibilities:

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 valuable 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 balanced and achieved
- Challenges sales/ business functions on high risk cases
- Supports quick closure / STP [ Straight through processing] for clean cases in collaboration with the Risk & operations teams
- Manages and seeks support from CPA [ Certified Public Accountants] and provides appropriate training related to organization compliance policies and processes
- Collaborates effectively with external agencies (Legal, Technical and Verification) for reports and opinions and to ascertain credit ratings / history for specific potential credit cases and existing loan customers.

Post Sanction Surveillance Operations
Supporting Actions:

- Reviews and analyzes various transactions for existing customers including
- Review and analysis of applications
- Study of financial statements, balance sheets, business and customer bureaus
- Review of security and legal documents
- Study of credit history and payment performance
- Performs annual/ ad hoc reviews on portfolios and individual transactions and routinely monitors loans for compliance with loan agreements/ financial covenants.

Credit Analysis Capability Building

Supporting Actions:

- Assists in the training of new credit analysts/officers.
- Reviews work of junior credit associates. As needed, provides an additional level of authority on transactions.

📌 Senior Business Analyst - Working Capital, SME, Mid/Large Corporate (Tamil Nadu)
🏢 Aditya Birla Capital (ABCL)
📍 Tamil Nadu