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 current 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
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