Responsibilities
- Review SME credit applications and assess borrower creditworthiness using financial statements, cash-flow analysis, and collateral evaluation.
- Analyze loan account performance to identify repayment behavior patterns, exposure trends, and potential early warning indicators.
- Verify adherence to approved loan terms, repayment schedules, covenants, and internal policy guidelines.
- Prepare explicit, structured credit review notes and working papers consistent with established Standard Operating Procedures.
- Support periodic portfolio reviews to identify risk concentration, emerging risks, and quality trends across the credit book.
- Assist Relationship Managers and onshore teams by providing analytical insights using internal rating models and risk-scoring tools.
- Ensure full compliance with operational, administrative, and regulatory requirements while maintaining updated knowledge of processes.
- Participate in training sessions, team discussions, and customer/partner calls as required by business needs.

📌 Banking Operations Sr Associate (Chennai)
🏢 NTT DATA Business Solutions
📍 Chennai