Job Requirements Role/Job Title: Senior Credit Analyst

Function/ Department: Wholesale Banking Risk

Job Purpose: The role holder shall make credit appraisal of corporate borrowers from asset lending perspective and recommend recent as well as existing relationships for approval. Role shall also involve portfolio monitoring interacting and coordinating with the business units, Internal stakeholders (legal/compliance/trade/internal audit/product team) and external Stakeholders (Banks / Rating Agencies) for existing and prospective relationships.

Keeping the unit abreast of the current industry updates, Peer group update and competition update. The role holder will also facilitate regular asset quality reviews and recommended relevant actions.

Roles & Responsibilities: '-Appraise and evaluate clients' creditworthiness for onboarding asset relationship in accordance with bank policies and regulatory framework
Review, recommend or reject loan requests, based on credibility and potential revenues and losses




Negotiate loan terms with borrowers to mitigate credit risk
Ensure credit policies and risk appetite criteria are adhered regularly,
Analysis of supply chain finance portfolio and ensuring portfolio monitoring, trigger reviews & delinquency control
Facilitate regular asset quality reviews with analytical insights to identify risks/ prospects and recommend relevant actions
Capture and share best- practice knowledge amongst the team

Secondary Responsibilities: '- Recommend improvements to processes and policies across the supply chain financing business to drive operational efficiencies and high quality customer service
Participate in overall portfolio monitoring exercise at Wholesale Banking level
Leverage in-house synergies through collaboration with internal stakeholders

Qualifications: Graduate - Any Experience: 10 years + of experience (Experience can be less basis merit and relevant experience)

📌 Senior Credit Analyst Mumbai (India)
🏢 IDFC FIRST Bank
📍 India