Senior Credit Analyst
YES BANK
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Keywords
Job Description
- 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
Strategic/ Managerial Responsibilities
- Ensuring Credit appraisals are done within TAT
- Ensuring adherence to the credit policy and process.
- 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
- Timely/ effective closure of transaction requests. Minimal CAM over dues.
- Timely closure of exceptions & managing limit/facility overdue.
- Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management
Key Internal Interactions
Purpose of Interaction
Business Team
To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency
Policy Team
For clarification / guidelines as and when required
Product Team
For clarification / guidelines as and when required
Key External Interactions
Purpose of Interaction
Customers
As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case
SECTION V: KNOWLEDGE & EXPERIENCE
KNOWLEDGE
Minimum Qualifications
BE/ CA/ MBA/ any other professional qualification related to our field from a reputed institute
Professional Certifications
- BE/CA/ MBA from a reputed institute
- Written and spoken English is essential
Years of Experience
Minimum of 2 years and above work experience in credit evaluation in a Bank / Financial Institution
Fresh CA/ MBA from reputed institute also can be taken.
Nature Of Experience
Credit Evaluation in any Bank/ FI
SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS
BEHAVIORAL COMPETENCIES
Core Competencies
Competency Name
Behaviors
- Customer Focus
- Listens to and demonstrates an understanding of customers’ stated needs
- Delivers customer value through timely and quality execution
- Develops an understanding of problems and employs existing or new methods to find solutions
- Professional Entrepreneurship
- Takes proactive and constructive action at work with little or no direction from others
- Displays responsibility for problems, initiatives and tasks that lie within the domain of own role.
- Drive for Results
- Seeks to understand the rationale for key decisions and understands implications for own role/ actions
- Displays a sense of urgency to deliver outcomes as per stated timelines
- Reacts to challenges by displaying an optimistic demeanor
- Quality Focus
- Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
- Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
Competency Name
Behaviors
- Lead and Develop people
- Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance
- Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority
- Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support
- Enables Change
- Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches
- Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition
- Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety
Technical Competencies
Financial Analysis and Market knowledge of industry segment
About The Company
YES BANK
YES BANK is a leading Indian private sector bank committed to transforming the financial landscape of India. With over 1200 branches nationwide and a dedicated team of YES BANKers, we strive to deliver exceptional banking solutions and empower individuals, businesses and communities to thrive. At YES BANK, we believe in the power of innovation and transparency. Operating in Retail, MSME and Corporate banking sectors, we are a full service bank and offer an extensive range of financial services. We leverage cutting-edge technology & industry insights to meet the evolving needs of our diverse clientele. One in three UPI transactions in the country are processed by YES BANK. Driven by our core values, we aim to build long lasting relationships with our customers and stakeholders. Our robust risk management framework ensures the safety and security of your finances, while our unwavering commitment to sustainability drives us to create a positive impact on society and the environment. We recognize the potential within each person and strive to unlock it through opportunities for growth, learning and innovation. Joining our ranks means joining a vibrant ecosystem of individuals who are passionate about making an impact and shaping the future of banking. Together, let’s create a future where your dreams can flourish and make a lasting impact. Note: YES BANK will NEVER ask you to reveal your User ID or Password. Therefore, never disclose your credentials (User ID, Password, OTP, PIN etc.) to anyone either through mail or over phone. If you receive any mail asking you to update or authenticate your User ID or Password, please DO NOT fall into the trap of putting in your Password or OTP or PIN.
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