Analyst - Credit Administration

Job RequirementsRole/ Job Title: Analyst Credit Administration

Function/ Department: Wholesale Banking Operations

Job Purpose 'Job requires to handle Post sanction activities in credit framework for Large Corporates and ensuring adherence to credit, regulatory, legal and product guidelines while allowing the disbursement to customer. As last gatekeep of the money and important control functions, team's role involves extensive due diligence and monitoring of credit conditions stipulated by approving committee and ensuring adequate limit, covenant, collateral and documents management.

Roles & ResponsibilitiesPrimary Responsibilities

'1. To handle wide range of products from working capital to term loan, NCD, Investment limits, Portfolio buyout, Commercial paper in Large corporate and FIG segments

Checking if all credit appraisals are adequately approved and conform to internal as well as RBI guidelinesCapability to guide/mentor the makers and ensure that processing are error free and within the committed timeline.Check whether statutory / internal exposure limits are not breached.Ensure enforceable legal documentation for credit facilities as per legal guidance and standard format/procedures. Involve in security creation including mortgages, pledge, hypothecation etc.To Ensure compliance with all conditions precedent prior to disbursementTo give clearance for disbursement through the LSM/DM which is sent to Loan Operations.Set process/ make modification in existing process to avoid operational risk at early stage.Co-ordinate with loan operation team to seamless processing of transactionsEnsure various covenant/deferrals tracking in systemLiaison with Business Teams, Legal, Credit etc. for timely and quality delivarables by resolution of issues/answering queries.Ensuring safe keeping of loan documents and retrieval of documents to vendorEducational QualificationB com or M com

Experience0 to 2 years in Banking .