- Graduate with expertise in financial statement analysis and credit processes
- Prepare and evaluate credit applications, conduct credit analysis and grading, ensure compliance with credit policies, and liaise with local and head office teams
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 current/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.