• Prepare comprehensive credit applications and conduct credit analysis and grading for both recent and existing customers across pan-India.

• Evaluate borrowers’ financial statements, credit history, and overall financial health to assess creditworthiness and repayment capacity.

• Ensure all credit applications adhere strictly to the bank’s credit policies, guidelines, and regulatory requirements.

• Collect, analyze, and interpret financial data to identify potential risks, providing actionable recommendations to mitigate credit risk.

• Establish suitable credit limits and develop risk mitigation strategies to safeguard the bank’s portfolio.

• Monitor credit portfolios regularly and perform periodic reviews to manage and minimize credit risk exposure.

• Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes.

• Prepare detailed presentations and reports for senior management, customers, and advisors to support credit decisions and business development.

• Collect and organize relevant data to support marketing activities and transaction execution.

📌 AVP-Credit Analyst 1 (India)
🏢 SMBC
📍 India