Senior Credit Analyst (Medium Enterprises Risk) @ Yes Bank, Noida

Role: Senior Credit Analyst

BU: Credit Risk Management

SBU: Medium Enterprises Business Risk (ME Risk)

Clients' Turnover: Up to 500 Crores

Ticket Size: 15 to 100 Crores

Location: Max Towers, Noida

ROLE SUMMARY:

• Ensure quality Appraisal of credit for worthy borrowers. 
• Ensure timely credit and transaction approvals for delegation under self.
• Managing loan portfolio with respect to credit rating/quality.
• Identify de risk account / AL accounts. 
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Revert on the Hindsight and Internal audit observations

KEY RESPONSIBILITIES/ ACCOUNTABILITIES:

Strategic/ Managerial Responsibilities

• Ensuring Credit appraisals are done within TAT
• Ensuring adherence to the credit policy and process.

Core Responsibilities

• Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM
• Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet
• Timely completion of credit appraisals / renewals/PSMs with effective structures
• Customer Meetings and Discussion along with factory/ Unit  visit where ever required.
• Timely closure of exceptions & managing limit/facility overdue.
• Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action
• Interaction with various stakeholders (internal and external) for review of such customers
• Carry out internal rating of customers and assign/review rating
• Maintain/monitor Credit Hygiene

People Management or Self-Management Responsibilities 

• Timely/ effective closure of transaction requests. Minimal CAM over dues.
• Timely closure of exceptions & managing limit/facility overdue.

.Risk and Internal Control Responsibilities

• Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management