- Ensure quality Appraisal of credit for worthy borrowers.
- Ensure timely credit and transaction approvals for delegation under self.
- Managing loan portfolio with respect to credit rating/quality.
- Identify de risk account / AL accounts.
- Monitoring of Team TAT and Productivity.
- Ensuring adherence to the credit policy and process.
- Review of Delinquency
- Review exceptions and approval for knocking.
- Revert on the Hindsight and Internal audit observations
KEY RESPONSIBILITIES/ ACCOUNTABILITIES:
Strategic/ Managerial Responsibilities
- Ensuring Credit appraisals are done within TAT
- Ensuring adherence to the credit policy and process.
Core Responsibilities
- Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM
- Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants.
Preparing the Credit Risk Summary Sheet
- Timely completion of credit appraisals / renewals/PSMs with effective structures
- Customer Meetings and Discussion along with factory/ Unit visit where ever required.
- Timely closure of exceptions & managing limit/facility overdue.
- Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action
- Interaction with various stakeholders (internal and external) for review of such customers
- Carry out internal rating of customers and assign/review rating
- Maintain/monitor Credit Hygiene
People Management or Self-Management Responsibilities
- Timely/ effective closure of transaction requests. Minimal CAM over dues.
- Timely closure of exceptions & managing limit/facility overdue.
.Risk and Internal Control Responsibilities
- Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management
📌 Senior Credit Analyst (Medium Enterprises Risk) @ Yes Bank, Noida
🏢 Yes Bank
📍 Noida
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