Role Objective:

The Credit Analyst will provide operational and analytical support to the Real Estate section in preparing Credit proposals/applications, ensuring effective monitoring of all aspects of business in terms of credit quality, as per the internal policies and procedures, QCB guidelines and other relevant regulatory framework. The job holder will identify, measure, monitor, control and perform periodic reviews of the risk inherent in the allotted portfolios. The incumbent will analyze customer strengths and weaknesses, providing recommendations, noting any deviations from the policies, and terms, as appropriate, and will prepare and review annual or quarterly reports as appropriate for the portfolios.

Detailed Roles and Responsibilities:

• Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.
• Prepare credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework and provide recommendations.
• Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.
• Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.
• Liaise with the respective employees, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.
• Contribute towards continuous development of credit procedures by recommending solutions and/or ascertaining capacities for enhancement.
• Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc.
• Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed.
• Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.
• Ensure prompt filing of all documents, including but not limited to applications, credit documents, Swift transfers, deposits and other records, approvals, security documents, and other correspondences, in the prescribed order of documents filing.
• Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers, as directed by the reporting authority.
• Perform periodic review/monitoring of the customer accounts, in line with the limits, credit policies and QCB regulations.
• Monitor customer activities in relation to market conditions, conduct of account and other factors, as applicable, to protect Bank’s interests and arrange appropriate classification of accounts.
• Monitor the progress of financed transactions and payments through project control sheets for adequate account control and to ensure regularity of payments.
• Prepare and provide reports on returns of the individual accounts and or portfolio of accounts managed, as required by the reporting authority.
• Ensure quality of the credit portfolio is maintained with continuous post sanction monitoring and identifying and taking necessary actions for early warning signals. Also monitor the contract financing portfolio on regular intervals, identify risks and take immediate actions to rectify same. Payment certificates should be obtained each contract finance facility on monthly basis to monitor receivable position of the project.

Qualifications and Experience:

• University graduate with a degree in Business or Banking or Finance or any other related discipline.
• Master’s degree in Management any other related discipline will be an added advantage.
• 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.
• Experience in credit analysis, with strong understanding of the local banking industry.
• Professional certification in related area is preferable