Credit Analyst - SMEAG

Guwahati, India | Icici Bank

  • Industry:
    Banking / Investment Banking
  • Position Type:
  • Functions:
    Financial Services Professional
    Risk Management
  • Experience:
    3-5 years
Job Description:
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Job Role and Responsibilities and Deliverables: He / she is accountable for the entire credit granting process, including the consistent application of a credit policy, assessment of the creditworthiness of potential customers.

To underwrite SME proposals based on in-depth financial analysis with an overview of industry and to identify the risk along with mitigates, if any.

Closely monitor the portfolio

Personally visiting the prospective and existing customers

Manage customer credit files and MIS

Adhere the credit policies and process. Recommend changes in the credit policy to middle management

Product/Customer Handled:

Working capital, Term loan, Project finance

SME clients/Corporate Agri clients

Skills and Competencies:

Ability to engage with various control groups within the organization

Credit Knowledge: To assess the company?s financials (i.e. loss, rating, PAT (profit after tax) etc. of the company)

 Educational Qualifications:

MBAFinance from reputed institutes with 4 years work experience

Charted Accountant with 4 years work experience