Purpose of the position

Preparation of credit applications for JBIN clients (Japanese & Korean corporates).The role will mainly involve handling credit analysis function. Credit Analysis will include inputting financial data, preparation of recent/renewal/enhancement applications and monitoring the existing portfolio.

Job Responsibilities

- Prepare comprehensive credit applications and conduct credit analysis and grading for both new 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 banks credit policies, guidelines, and regulatory requirements.
- Collect, analyse, 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 banks portfolio.
- Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes.

Knowledge, Skills, Experience & Qualifications

- Sound knowledge of financial statement analysis, financial ratios, and interpretation of financial performance.
- Understanding of banking products and credit-related processes.
- Educational Qualification: Graduate / Undergraduate.

Challenges

- Manage the due dates of credit applications and ensure NIL is overdue.
- Ensuring minimal rework for the cases handled.
- Ensuring timely service of customer requests and managing internal & external compliances.
- Strict compliance with HO policies & procedures

📌 Graduate Trainee (New Delhi)
🏢 Sumitomo Mitsui Banking Corporation (SMBC)
📍 New Delhi