Bharat Banking: Credit Analyst - BE Retail

About Bharat Banking

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and

integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or

Bharat markets.

To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up

a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across

the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital

presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the

Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency

to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

About the Role

The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location.

Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio

quality and also ensures adherence to the processes and guidelines as designed by the bank.

Key Responsibilities

. Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance

of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or

recommend for approval to higher authorities

. Analysis of financial statements, company background and other related quantitative and qualitative)

. Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on

internal model and suggest risk based loan pricing for the proposed deal.

Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants.

. Interaction with all NTB/ETB cases along with Relationship Team in order to understand the business model and

highlight key risks factors and mitigants to make the case bankable.

. Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities.

. Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages

towards delinquencies and detect early warning signals to be acted upon.

. Ensure timely completion of limit renewals of the existing cases.

. Understanding trade transaction requests made by client and providing credit approvals to execute the transaction. . Coordinating with Audit, Compliance, and operations for resolution of queries and documentations.

Qualifications

. Optimal qualification for success on the job is:

. Graduation/ Post- Graduation (MBA/ CA preferred not mandatory)

. Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM

preparation for SME/Agri./Corporate borrowers.)

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

. Knowledge of industry

. Good communication (both verbal and written) skill

. Ability to handle pressure and meet deadlines