Business Analyst - SME Insti - Pune

Aditya Birla Capital; Maharashtra; On-site; INR 600,000 - 800,000; Full time

Job summary

Aditya Birla Capital invites applications for a Credit Analyst to conduct detailed credit analysis and evaluate lending proposals for CC-level discussion. The role requires evaluating sustainability of revenue and profitability, auditor reports review, and collateral assessment.

You will monitor existing portfolios, ensure compliance with sanction terms and covenants, stay updated on regulatory changes, and generate MIS for risk and business heads.

Qualifications

• Experience in detailed credit analysis of lending proposals.
• Ability to review auditor reports for red flags and promoter background.
• Experience in reviewing legal and technical aspects of collateral and property proposed to be mortgaged.

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 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

Skills

Credit analysis

Financial statement analysis

Portfolio monitoring

Regulatory updates

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