CBG:Credit Analyst

Axis Bank; Jind; On-site; INR 600,000 - 900,000; Full time

Job summary

Axis Bank in India seeks a Credit Analyst in Commercial Banking Group to evaluate proposals by analyzing the borrower’s market, financials, and management. You will work with Relationship Managers to understand client profiles and requirements.

The role involves preparing CAM, assessing credit worthiness, and drafting credit proposals within policy guidelines, including renewals and timely task completion.

Qualifications

• Graduates with a good academic background.
• CAs/Management Graduates/ICWAs will be preferred.
• Good understanding of financial ratios and concepts.
• Good communication in English and the local language.

Responsibilities

• Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.).
• Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
• Conduct review / renewal of accounts
• Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.

Skills

Financial ratios

Credit analysis

English communication

Education

CA/ICWA/Management grads

Management graduates

Job description

Role description

CBG:Credit Analyst

INTERNAL USAGE:

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Business:

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CBG

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About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.

About the Role

Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements

Key Responsibilities

• Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.)
• Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
• Conduct review / renewal of accounts
• Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.

Qualifications

Optimal qualification for success on the job is:

• Graduates with a good academic background
• CAs/Management Graduates/ICWAs will be preferred

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Good understanding of financial ratios and concepts
• Good communication (both verbal and written) skill in both English and the local language