Credit Analyst - Medium Enterprises Risk @ YES Bank, Mumbai

Role: Credit Analyst

BU: Credit Risk Management

SBU: Medium Enterprises Risk (ME Risk)

Ticket Size: Up to 100 Crores

Location: YBH, Santacruz, Mumbai

Roles & Responsibilities:

• Carry out due diligence for corporate customers
• In-depth financial analysis, business model review, management risk analysis
• Working on cashflow based excel models
• Analyzing cashflows and WC/debt servicing analysis
• Review of annual reports, borrower/promoter background
• Review of Credit notes prepared by Business Unit capturing details of customer profile, financial projections and analysis, assessment, term sheet.
• Interaction with various stakeholders (internal and external) for review of such customers
• Carry out internal rating of customers and assign/review rating
• Monitoring of performance of customers on an ongoing basis
• Review Early warning triggers
• Carry out site visit to review work progress
• Prepare recommendation notes and recommend proposals to top management
• Maintain/monitor Credit Hygiene