14 Sep Senior Credit Analyst – Gems & Jewellery Sector for a Bank.
Client is a well known pvt sector bank and is ranked among its peers.
Role specs:
– Approve and recommend credit exposures to the sector. Responsible for SME portfolio health for the Zone.
– Lead a team of senior analysts .
– Credit approving role including in-depth analysis of – clients / their prospects, financial statements business model, management competency, industry dynamics and competitive position.
– Implementation of credit standards & guidance set by the bank’s policies / programs and suggesting changes, if any.
– Provide an independent credit opinion and recommendation on the proposed exposure & structures , highlighting the risks involved , considering bank’s risk appetite and lending Policies, regulatory guidance etc. and providing adequate mitigants to minimize risk.
– Hands-on experience in managing credit transactions/ operations.
– Tracking performance of portfolio and follow up on high deviation cases, highlighting critical risk zones and securing portfolio with collaterals in high risk cases leading to reduction in delinquencies.
– Identify and report all negative events & early warning signals on potential problematic accounts/ relationships & signs of stress in client relationships, design strategies to address the stress and take pre-emptive measures to protect portfolio quality.
– Responsible for internal risk ratings with the objectives of improving credit quality.
– Presenting credit proposals / Reports to appropriate committee, as and when required.
– Manage relationships with internal stakeholders and external clients for data collection, compliance and co-ordination with internal & external auditors.
Candidate specs:
– CA / MBA
– Must have relevant exposure to Gems & Jewellery sector. Those looking to move to G&J sector and have strong credit experience can also apply.
– Must have lead a team
– Articulate and strong interpersonal skills
send your cv to [email protected]