Business Analyst - SME Insti - Mumbai

Aditya Birla Capital; Maharashtra; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Aditya Birla Capital is seeking a seasoned credit analyst to conduct in-depth credit analysis and evaluate lending proposals for CC discussions, focusing on sustainability of revenues, profitability, auditor reports, and credit ratings.

You will monitor existing portfolios, ensure sanction covenants compliance, stay current with regulatory changes, prepare MIS for Risk and Business Heads, and coordinate with audit and operations teams to resolve queries.

Responsibilities

• To assess and conduct detailed credit analysis and evaluation of lending proposals for discussion at CC level and decision
• Evaluate proposals by financial analysis and sustainability of revenue and profitability, and review auditor reports for red flags and promoter background
• Regular monitoring of existing portfolio to assess quality, identify red flags, and ensure compliance with sanction terms
• Ensure compliance with OTC, PDD and covenants in the sanction letter
• Stay updated on regulatory changes and inform portfolio accounts accordingly
• Prepare regular MIS
• Prepare and update MIS for risk and business heads for portfolio monitoring
• Engage with auditors and resolve queries
• Coordinate with audit and operations teams to resolve audit clarifications with stakeholders

Job description

Key Result Areas
Supporting Actions
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 covenants stipulated in the sanction terms.
To ensure compliance with OTC, PDD, covenants 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