Key Result Areas
Supporting Actions
To assess/ recommend/ decide the viability of credit lending proposals based on institutionalized processes and dynamic market information
- To decision proposals within delegated authority
- To undertake analysis of the credit proposals based on and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc
- Evaluate current credit proposals / review existing credit exposures
- To meet all clients above a certain threshold (for existing ones) on a regular basis, and meet all clients before disbursal in case of new proposals
- To undertake critical review of the credit proposals logged in with a view to especially bringing out the industry, business, financial, management and facility structure risk contained in the credit proposal. The role needs to bring out the collateral and other credit risk mitigation to take decision / facilitate the approving authority to take decision on the credit proposal.




- To engage with business teams in understanding the proposals submitted and extracting the relevant supporting information
- To suggest measures for ensuring workability of the loan proposals to the RMs, keeping risk in check like suggesting risk mitigation for the identified risks
- To ensure the ECL of the organization is under control
- To guide the Business Analysts on the business side in ensuring faster TAT.

To ensure efficient Turnaround time (TATs) for validating the proposals
- To ensure TAT within SLAs with analysis of the broad parameters for considering or not considering the given proposal
- To effectively deploy processes and mechanisms for ensuring high quality TATs for validating lending proposals & share the same with all concerned
- To liaise with the Regional/ Zonal Credit Heads and Zonal Sales Heads, RH and BH , credit committee and pricing committees for closing the approval process after validation from risk
- To ensure prompt resolution/ explanation of queries raised by s

📌 Credit Analyst (Delhi)
🏢 Financial services
📍 Delhi