Business Analyst SME

Aditya Birla Insulators; Mumbai; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Aditya Birla Insulators is seeking a Credit Analyst to assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision.

The role involves evaluating proposals through financial analysis, reviewing auditor reports for red flags, promoter background checks, profile checks, and review of legal and technical aspects of mortgaged properties, along with reading credit rating reports to gauge external views.

Responsibilities

• Assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision
• Evaluate proposals by performing financial analysis, assessing sustainability of revenue and profitability, reviewing auditor reports for red flags, promoter background check, profile check, legal and technical aspects of the proposed mortgaged property, and reading credit rating reports to understand the view of external credit rating agencies on the group company
• Monitor the existing portfolio of accounts to assess portfolio quality, identify red flags, and ensure compliance with sanction conditions and covenants stipulated in the sanction terms
• Ensure compliance with OTC, PDD, and covenants stipulated in the sanction letter
• Stay updated on recent regulatory changes, guidelines, and notifications, ensuring timely action and communication to all portfolio accounts to reflect these changes
• Prepare and maintain regular MIS required by the Risk and Business Head for monitoring portfolio performance and quality checks
• Engage with audit and operations teams to resolve audit clarifications or data requests, interacting with internal and external stakeholders

Job description

Key Result Areas

• Assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision
• Evaluate proposals by performing financial analysis, assessing sustainability of revenue and profitability, reviewing auditor reports for red flags, promoter background check, profile check, legal and technical aspects of the proposed mortgaged property, and reading credit rating reports to understand the view of external credit rating agencies on the group company
• Monitor the existing portfolio of accounts to assess portfolio quality, identify red flags, and ensure compliance with sanction conditions and covenants stipulated in the sanction terms
• Ensure compliance with OTC, PDD, and covenants stipulated in the sanction letter
• Stay updated on recent regulatory changes, guidelines, and notifications, ensuring timely action and communication to all portfolio accounts to reflect these changes
• Prepare and maintain regular MIS required by the Risk and Business Head for monitoring portfolio performance and quality checks
• Engage with audit and operations teams to resolve audit clarifications or data requests, interacting with internal and external stakeholders