RC&WC - MC:Credit Analyst (Mid-Corporates) Senior Manager
Axis Bank
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Keywords
Job Description
- Review of credit proposals ensuring adherence to the credit policy of the bank and other external and internal guidelines
- Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
- Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
- Appraise the sanctioning authority on all the strengths and weaknesses of the proposal and all the critical information and insights required for decision making.
- Monitor the accounts to ensure maintenance of a healthy portfolio. Regular site visits and promoter level interactions for better portfolio monitoring.
- Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
Qualifications
Optimal qualification for success on the job is:
- Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
- Experience in assessing credit of Corporate clients
Role Proficiencies:
For successful execution of the job, the candidate should possess:
- Knowledge of credit, industry and product trends
- Knowledge of regulatory guidelines and norms
- Good communication (both verbal and written) skill in both English and the local language
- Ability to handle pressure and meet deadlines
About The Company
Axis Bank
Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. The Bank has a large footprint of 5000 domestic branches (including extension counters) with 15,751 ATMs & cash recyclers spread across the country. The Bank has 6 Axis Virtual Centres with over 1,500 Virtual Relationship Managers as on 31st March 2023. The Overseas operations of the Bank are spread over eight international offices with branches in Singapore, Dubai (at DIFC), and Gift City-IBU; representative offices in Dhaka, Dubai, Abu Dhabi, Sharjah and an overseas subsidiary in London, UK. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd. (NIC), The New India Assurance Company Ltd. (NIA), The Oriental Insurance Company Ltd. (OIC), and United India Insurance Company Ltd. (UIIC). The shareholding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003. GIC, NIC, NIA, OIC, UIIC have been reclassified from promoter category to public category. As on March 31, 2023, SUUTI and LIC are the promoters of the Bank. With a balance sheet size of Rs. 13,17,326 crores as on 31st March 2023, Axis Bank has achieved consistent growth and with a 5-year CAGR (2017-18 to 2022-23) of 14% each in Total Assets & Advances and 16% in Deposits.
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