Banking Operations Sr Associate

NTT DATA BUSINESS SOLUTIONS; Chennai District; On-site; INR 550,000 - 900,000; Full time

Job summary

NTT DATA BUSINESS SOLUTIONS in Chennai seeks a Credit Review Analyst to review SME credit applications, assess borrower creditworthiness from financial statements and cash-flow analyses, and evaluate collateral.

You will analyze loan performance, support portfolio reviews, assist Relationship Managers with insights from risk models, and ensure compliance with internal policies and regulatory requirements. Participation in training and team discussions is expected.

Responsibilities

• Review SME credit applications and assess borrower creditworthiness using financial statements, cash-flow analysis, and collateral evaluation.
• Analyze loan account performance to identify repayment behavior patterns, exposure trends, and potential early warning indicators.
• Verify adherence to approved loan terms, repayment schedules, covenants, and internal policy guidelines.
• Prepare clear, structured credit review notes and working papers consistent with established Standard Operating Procedures.
• Support periodic portfolio reviews to identify risk concentration, emerging risks, and quality trends across the credit book.
• Assist Relationship Managers and onshore teams by providing analytical insights using internal rating models and risk-scoring tools.
• Ensure full compliance with operational, administrative, and regulatory requirements while maintaining updated knowledge of processes.
• Participate in training sessions, team discussions, and customer/partner calls as required by business needs.

Job description

• Review SME credit applications and assess borrower creditworthiness using financial statements, cash-flow analysis, and collateral evaluation.
• Analyze loan account performance to identify repayment behavior patterns, exposure trends, and potential early warning indicators.
• Verify adherence to approved loan terms, repayment schedules, covenants, and internal policy guidelines.
• Prepare clear, structured credit review notes and working papers consistent with established Standard Operating Procedures.
• Support periodic portfolio reviews to identify risk concentration, emerging risks, and quality trends across the credit book.
• Assist Relationship Managers and onshore teams by providing analytical insights using internal rating models and risk-scoring tools.
• Ensure full compliance with operational, administrative, and regulatory requirements while maintaining updated knowledge of processes.
• Participate in training sessions, team discussions, and customer/partner calls as required by business needs.