Business Analyst SME

Aditya Birla Insulators; Pune District; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Aditya Birla Insulators is seeking a credit risk professional in Pune to assess lending proposals, perform financial analyses, and review auditor reports to identify red flags. The role includes monitoring the existing portfolio, ensuring sanction-term compliance, and staying updated on regulatory changes.

Interaction with audit and operations teams will be required to resolve queries and provide data as needed.

Responsibilities

• To assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision
• To evaluate the proposal by doing financial analysis, assessing sustainability of the revenue and profitability numbers, review of auditor reports to check for any red flags, promoter background check, profile check, legal and technical aspects of the property proposed to be mortgaged, reading credit rating reports to understand the view of external credit rating agencies on the group company
• To monitor the existing portfolio
• To do regular monitoring of existing portfolio of accounts to assess the quality of the portfolio, identify any red flags, ensure compliance of sanction conditions and covets stipulated in the sanction terms.
• To ensure compliance with OTC, PDD, covets stipulated in the Sanction letter
• To keep oneself updated about any recent regulatory changes/ guidelines / notifications etc. to ensure that all the actions are timely taken to ensure effect of the above regulatory notifications / circulars are duly given to all the portfolio accounts
• To prepare regular MIS
• To prepare and keep updating MIS required by Risk and Business Head for regular monitoring of portfolio and quality checks
• To engage and resolve audit queries
• To engage with audit team and operations team and resolve any audit clarifications or data required by interacting with internal and external stakeholders

Job description

Key Result Areas

• To assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision
• To evaluate the proposal by doing ficial analysis, assessing sustainability of the revenue and profitability numbers, review of auditor reports to check for any red flags, promoter background check, profile check, legal and technical aspects of the property proposed to be mortgaged, reading credit rating reports to understand the view of external credit rating agencies on the group company
• To monitor the existing portfolio
• To do regular monitoring of existing portfolio of accounts to assess the quality of the portfolio, identify any red flags, ensure compliance of sanction conditions and covets stipulated in the sanction terms.
• To ensure compliance with OTC, PDD, covets stipulated in the Sanction letter
• To keep oneself updated about any recent regulatory changes/ guidelines / notifications etc. to ensure that all the actions are timely taken to ensure effect of the above regulatory notifications / circulars are duly given to all the portfolio accounts
• To prepare regular MIS
• To prepare and keep updating MIS required by Risk and Business Head for regular monitoring of portfolio and quality checks
• To engage and resolve audit queries
• To engage with audit team and operations team and resolve any audit clarifications or data required by interacting with internal and external stakeholders

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.