Senior Business Analyst

Key Result Areas:

1. Analysis of quality proposals:
▪ To analyze the proposal as per the standard parameters
▪ Analyse Management Risk, Industry Risk, Business Risk and Financial Risk of the proposal
▪ Adhere to the credit policy guidelines
▪ Understand proposals by way of trade references, banker reference checks and other surrogates.
▪ Capture the strength and weakness with proper mitigants
▪ Responsible for maintaining check on allocated portfolio & provide regular alerts to Relationship Team & Management

2. Timely processing of credit proposals:
▪ Timely preparation of proposals highlighting strength and weakness in the proposal
▪ Personal discussion with customers to understand business, cash flows, purpose of loan, etc. and resolution of credit concerns.
▪ Timely submission of proposals to Risk Team
▪ Coordination with sales & risk team members to ensure timely approval of proposals.

3. Renewal / Enhancement of existing facility:
▪ Sending timely and advance intimation to sales team for proposals due for review and renewals
▪ Timely preparation of review / renewal proposals.
▪ To ensure the fulfilment of the condition stipulated at the time of sanction
▪ Timely submission of review / renewal proposals to Risk Team and coordination with them for completion of timely reviews / renewals

4. Continuous Monitoring of portfolio:

▪ Periodic review of the borrowers' account
▪ Regular updates on sectoral changes with help of external sources

5. Business Support:
▪ Help sales team to understand the strength & weakness of the proposal
▪ Timely responding to the requests of sales team
▪ Support for development of new products and related parameters / documents to Origination and Structuring Head and Zonal Head