Key Result Areas

Supporting Actions

KRA – 1

Evaluation – Credit Analysis

Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure

Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.

Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations

Liaison with external agencies for due diligences – legal, technical, valuation, financial diligence, etc.

Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA – 2

Evaluation - Note Preparation

Case Underwriting within guidelines of regulatory framework and ABFL polices

Preparing Credit Assessment Memo for transactions

Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.

Issuance of sanction Letter to the customer as per the note prepared and sign-off provided.

Initiate framework for Post disbursement monitoring activties

Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA – 3

Execution – Case Documentation

Case Documentation within guidelines of ABFL polices and framework

Prepare and execute Pre & Post transaction documentation

Co-ordinate with customer for information and documentation from login to post disbursement

Carrying out Post disbursement monitoring activties

Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures

Carrying out post closure formalities.

KRA – 4

Quality Compliance





Customer Back-office coordination on day to day operational activities to align with ABFL compliance policies.

Processing of Escrow fund transfers on daily basis

Processing of NOC requests on daily basis

Collection, evaluation and follow up with internal / external setting for following activities:

Sales MIS – to be obtained from customer on monthly basis

COP & MOF – to be obtained from customer on quarterly basis

Subsequent progress reports – to be obtained from valuer on quarterly basis

Opening and Activation of Escrow Accounts

Tracking and closure of PDDs

EMI / Interest dues / LOC dues presentation – to be obtained from operations and collected from customer on monthly basis

Legal Diligence & Technical / valuation reports

Calculation, maintenance and release of DSRA

Maintenance of tracker for Insurance policies of funded cases

Audited Financials of borrowers / guarantors – to be obtained from customer on annual basis

TDS reconciliation – to be obtained from customer on quarterly basis

Credit Application & Processing in system

Providing Statements of Accounts and Balance confirmations to customer.

Providing Credit Information Reports to other lenders.

KRA – 5

Quality NPA, SMA2

Compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process

Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels

Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors and highlight early warning signals

Understand local currents and risk factors, providing an input to take decisions on new and existing loans

📌 Senior Business Analyst - Reconciliations (India)
🏢 Aditya Birla Group
📍 India