Location Name: Patna

Job Purpose

Credit Analyst for sourcing MSME working capital loans for Small Business lending vertical
To Review & Evaluate Credit proposals created by team for MSME deals involving Term Loans, working capital limit CGTMSE backed limit, Purchase Bill Discounting
Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications (EWIs), deferral tracking and working on appropriate account strategy in conjunction with Business and Risk teams in line with the BFLs’ risk appetite

Duties And Responsibilities

Appraisal of Proposal:

Review credit proposals (CAMs /Interim CAMS /Ad-hoc CAMs) submitted by Credit managers teams on assigned set of accounts and assess the risk involved comprehensively.
Convey a transparent opinion regarding the feasibility of the proposed transaction/ proposed facilities, from risk point of view, covering business model, industry risk, structure, and financial risk.
Awareness of the product proposed and suitability to the client needs




Reviewing Complete / accurate CAM's / Coverage and Intensity of Diligence & Adherence to Credit Policy and extant regulatory guidelines
Compliance of underwriting process and liaising with Valuation & Legal Agencies for collateral assessment.
Ensuring adherence to pre-defined TAT and Delegation of Authority for credit appraisals
Gathering market intelligence and sharing with the risk policy team & getting them incorporated in the policy programs for improvement in portfolio health & business growth.
Market Research and Feedback for credit policy and new product launch based on market conditions.

Portfolio Monitoring

Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with Credit Monitoring business teams in devising appropriate mitigation strategies wherever required.
Reviewing cases suggested by Central Monitoring Unit as per action staircase, engaging further with RM’s

📌 Cluster Manager (Patna)
🏢 Bajaj FinServ
📍 Patna