Bharat Banking: Credit Analyst - BE Retail

• About Bharat Banking
• The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and
• integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or
• Bharat markets.
• To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up
• a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across
• the country and all the products in the RUSU branches.
• The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital
• presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the
• Bank to deliver to the Bharat customer.
• The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency
• to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring
• About the Role
• The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location.
• Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio
• quality and also ensures adherence to the processes and guidelines as designed by the bank.
• Key Responsibilities
• . Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance
• of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or
• recommend for approval to higher authorities
• . Analysis of financial statements, company background and other related quantitative and qualitative)
• . Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on
• internal model and suggest risk based loan pricing for the proposed deal.
• Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants.
• . Interaction with all NTB/ETB cases along with Relationship Team in order to understand the business model and
• highlight key risks factors and mitigants to make the case bankable.
• . Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities.
• . Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages
• towards delinquencies and detect early warning signals to be acted upon.
• . Ensure timely completion of limit renewals of the existing cases.

. Understanding trade transaction requests made by client and providing credit approvals to execute the transaction. . Coordinating with Audit, Compliance, and operations for resolution of queries and documentations.

• Qualifications
• . Optimal qualification for success on the job is:
• . Graduation/ Post- Graduation (MBA/ CA preferred not mandatory)
• . Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM
• preparation for SME/Agri./Corporate borrowers.)
• Role Proficiencies:
• For successful execution of the job, the candidate should possess the following:
• . Knowledge of industry
• . Good communication (both verbal and written) skill
• . Ability to handle pressure and meet deadlines