AVP-Credit Analyst 1

Sumitomo Mitsui Banking Corporation (SMBC); Delhi; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Sumitomo Mitsui Banking Corporation (SMBC) in New Delhi, India is seeking a credit professional to prepare comprehensive credit applications and conduct in-depth credit analysis for customers across pan-India.

You will evaluate borrowers’ financial statements, ensure compliance with credit policies and regulatory requirements, monitor portfolios, and present findings to senior management to support credit decisions.

Qualifications

• Prepare comprehensive credit applications and conduct credit analysis for customers across pan-India.
• Evaluate borrowers' financial statements, credit history, and overall financial health.
• Ensure all credit applications adhere to bank credit policies and regulatory requirements.
• Collect, analyze, and interpret financial data to identify credit risks and mitigation actions.
• Establish credit limits and develop risk mitigation strategies.
• Monitor credit portfolios and perform periodic reviews to minimize risk.
• Liaise with local staff and Head Office Credit Department to facilitate end-to-end approvals.
• Prepare presentations and reports for senior management and advisors to support decisions.
• Collect and organize data to support marketing activities and transaction execution.

Job description

New Delhi, India

Prepare comprehensive credit applications and conduct credit analysis and grading for both new and existing customers across pan-India.

Evaluate borrowers financial statements, credit history, and overall financial health to assess creditworthiness and repayment capacity.

Ensure all credit applications adhere strictly to the bank s credit policies, guidelines, and regulatory requirements.

Collect, analyze, and interpret financial data to identify potential risks, providing actionable recommendations to mitigate credit risk.

Establish suitable credit limits and develop risk mitigation strategies to safeguard the bank s portfolio.

Monitor credit portfolios regularly and perform periodic reviews to manage and minimize credit risk exposure.

Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes.

Prepare detailed presentations and reports for senior management, customers, and advisors to support credit decisions and business development.

Collect and organize relevant data to support marketing activities and transaction execution.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying. .