Business Analyst - CF - Bangalore

Aditya Birla Capital; Maharashtra; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital is seeking a Credit Analysis professional to perform case analysis using financial models for promoter groups, micro-markets, and transaction structures. The role includes evaluating borrower backgrounds, enterprise information, project and security details, cash flow analyses, and risk assessment, while coordinating with Risk, Legal, Technical, Finance, and Operations teams.

The candidate will also prepare credit assessment memos, obtain sign-offs from stakeholders, issue

Qualifications

• Experience in credit analysis and financial evaluation.
• Familiarity with risk, legal, technical, finance and operations processes.
• Ability to perform due diligence and assess security, cash flows and collateral.

Responsibilities

• Analyze and evaluate proposed transactions: borrower background, enterprise info, project/security info, cash flows, feasibility and sensitivity analyses.
• Coordinate with Risk, Legal, Technical, Finance, Accounts and Operations teams; liaise with external due-diligence agencies.
• Ensure security cover, receivables cover, exit calculations, shortfall calculations and portfolio review.
• Prepare and sign off on Credit Assessment Memo with stakeholders including Risk and Senior Management.
• Initiate post-disbursement monitoring framework and security/receivables coverage management.
• Maintain compliance with internal risk parameters and regulatory norms; monitor NPAs and delinquencies.

Job description

Evaluation – Credit Analysis

Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure

• Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.
• Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations
• Liaison with external agencies for due diligences – legal, technical, valuation, financial diligence, etc.
• Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

Key Result Areas

Supporting Actions

KRA – 1

Evaluation – Credit Analysis

Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure

• Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.
• Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations
• Liaison with external agencies for due diligences – legal, technical, valuation, financial diligence, etc.
• Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA – 2

Evaluation - Note Preparation

Case Underwriting within guidelines of regulatory framework and ABFL polices

• Preparing Credit Assessment Memo for transactions
• Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.
• Issuance of sanction Letter to the customer as per the note prepared and sign-off provided.
• Initiate framework for Post disbursement monitoring activties
• Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA – 3

Execution – Case Documentation

Case Documentation within guidelines of ABFL polices and framework

• Prepare and execute Pre & Post transaction documentation
• Co-ordinate with customer for information and documentation from login to post disbursement
• Carrying out Post disbursement monitoring activties
• Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures
• Carrying out post closure formalities.

KRA – 4

Quality Compliance

Customer Back-office coordination on day to day operational activities to align with ABFL compliance policies.

• Processing of Escrow fund transfers on daily basis
• Processing of NOC requests on daily basis
• Collection, evaluation and follow up with internal / external environment for following activities:
• Sales MIS – to be obtained from customer on monthly basis
• COP & MOF – to be obtained from customer on quarterly basis
• Subsequent progress reports – to be obtained from valuer on quarterly basis
• Opening and Activation of Escrow Accounts
• Tracking and closure of PDDs
• EMI / Interest dues / LOC dues presentation – to be obtained from operations and collected from customer on monthly basis
• Legal Diligence & Technical / valuation reports
• Calculation, maintenance and release of DSRA
• Maintenance of tracker for Insurance policies of funded cases
• Audited Financials of borrowers / guarantors – to be obtained from customer on annual basis
• TDS reconciliation – to be obtained from customer on quarterly basis
• Credit Application & Processing in system
• Providing Statements of Accounts and Balance confirmations to customer.
• Providing Credit Information Reports to other lenders.

KRA – 5

Quality NPA, SMA2

Compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

• Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
• Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels
• Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors and highlight early warning signals
• Understand local currents and risk factors, providing an input to take decisions on new and existing loans