Analyst - Credit Administration

Idfc First Bank Limited; Dadri; On-site; INR 250,000 - 420,000; Full time

Job summary

Idfc First Bank Limited is seeking an Analyst – Credit Administration to manage post-sanction activities for large corporates within Wholesale Banking Operations. You will ensure adherence to credit, regulatory, legal, and product guidelines while enabling disbursements, acting as the final control point for funds and collateral management.

The role includes handling various credit products, guiding the team to maintain timelines, validating documentation, and coordinating with legal and

Qualifications

• Experience in credit operations and post-sanction activities.
• Familiar with RBI guidelines and internal credit policies.
• Ability to guide makers and ensure timely, error-free processing.

Responsibilities

• Handle a wide range of credit products for large corporates and ensure adherence to guidelines.
• Verify credit appraisals and compliance with internal and RBI requirements.
• Ensure enforceable legal documentation and security creation where needed.
• Coordinate with loan operations for seamless processing of disbursements.
• Track covenants/deferrals and liaise with business teams, legal, and credit for timely deliverables.

Skills

Credit administration

Credit appraisal

Regulatory compliance

Process improvement

Stakeholder liaison

Education

B.Com or M.Com

Job description

Job Requirements

Role/ Job Title: Analyst – Credit Administration

Function/ Department: Wholesale Banking Operations

Job Purpose 'Job requires to handle Post sanction activities in credit framework for Large Corporates and ensuring adherence to credit, regulatory, legal and product guidelines while allowing the disbursement to customer. As last gatekeep of the money and important control functions, team's role involves extensive due diligence and monitoring of credit conditions stipulated by approving committee and ensuring adequate limit, covenant, collateral and documents management.

Roles & Responsibilities

Primary Responsibilities

'1. To handle wide range of products from working capital to term loan, NCD, Investment limits, Portfolio buyout, Commercial paper in Large corporate and FIG segments

• Checking if all credit appraisals are adequately approved and conform to internal as well as RBI guidelines


• Capability to guide/mentor the makers and ensure that processing are error free and within the committed timeline.


• Check whether statutory / internal exposure limits are not breached.


• Ensure enforceable legal documentation for credit facilities as per legal guidance and standard format/procedures. Involve in security creation including mortgages, pledge, hypothecation etc.


• To Ensure compliance with all conditions precedent prior to disbursement


• To give clearance for disbursement through the LSM/DM which is sent to Loan Operations.


• Set process/ make modification in existing process to avoid operational risk at early stage.


• Co-ordinate with loan operation team to seamless processing of transactions


• Ensure various covenant/deferrals tracking in system


• Liaison with Business Teams, Legal, Credit etc. for timely and quality delivarables by resolution of issues/answering queries.


• Ensuring safe keeping of loan documents and retrieval of documents to vendor

Educational Qualification

B com or M com

Experience

0 to 2 years in Banking