SECTION II: ROLE SUMMARY

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

SECTION III: 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

SECTION IV: KEY INTERACTIONS

Key

📌 Senior Credit Analyst (Noida)
🏢 Yes Bank
📍 Noida