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

Support

📌 Senior Business Analyst (Mumbai)
🏢 Aditya Birla Capital (ABCL)
📍 Mumbai