Implement risk management processes at the ground level for the construction fice business, gaining a thorough understanding of the project and developer and preparing a credit memo to assess the project viability and proposal structure as per ABHFL risk parameters and customer requirements. Key activities are analysis of project viability, assessment of market information and developer ficials.
Job Context Major Challenges
Organizational Context
- The Business Credit Analyst is an integral part of the Construction Fice Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.
- The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.
- He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc.,
coordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process.
- Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes.
- Generating various MIS s and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect.
Key Challenges
- Cross functional coordination to enable timely approval of credit proposals
- Selfupdating on economic / sectoral changes in the economy
- Improvising on TAT
- Seamless coordination with multiple internal and external entities
- New product development
Enabling Skill Sets Qualifications
- The critical skill sets are a robust analytical acumen, evaluation skills, detail orientation decisionmaking skills, initiative target orientation market intelligence developed through a strong industry network.
- The education experience