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

Job description

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