Credit Analyst Infrastructure

Intellectual Capital HR Consulting Pvt. Ltd.; Khordha; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites an experienced Manager for Credit & Monitoring to support credit strategy execution, assess risk, and forecast portfolios.

You will analyze financial data, project feasibility, and market trends to mitigate credit risks. Key duties include financial analysis of borrowers, developing credit policies, reviewing loan sanction notes, post-sanction activities, ongoing monitoring of Standard and EWS accounts, and reporting portfolio performance to

Qualifications

• Minimum 3–5 years in Banking or AIFI with 2+ years in credit/industry risk management.
• In-depth understanding of infrastructure sectors and policy framework.
• Knowledge of enterprise risks (Credit/Market/Operational/Fraud/Climate).
• Strong numeracy, analytical and research skills.
• Proficiency in analytics tools and MS Excel/PowerPoint.

Responsibilities

• Perform thorough financial analysis of entities, including statements, cash flows, and KPIs.
• Develop and implement credit policies and guidelines to ensure prudent lending and regulatory compliance.
• Review loan sanction agenda notes for completeness and regulatory alignment.
• Assist in post-sanction work: sanction letters, T&Cs amendments up to initial disbursement.
• Support credit approval processes ensuring policy compliance.
• Monitor Standard and EWS accounts to minimize slippage and risk.
• Identify project performance metrics and financial data for profitability insights.
• Provide data on project performance to stakeholders; address inquiries.
• Identify risks and implement mitigation strategies in line with regulations.
• Assist in project finance operations: budgeting, forecasting, and reporting.
• Examine modification requests to Terms and Conditions.
• Provide input to legal and MIS reporting for Boards and Committees.
• Assist in strategies to improve portfolio quality and report on KPIs to leadership.

Skills

Numeracy

Analytical skills

Research skills

Cross-functional teamwork

Written communication

Verbal communication

Education

MBA in Finance

CA/CFA

Tools

MS Excel

MS PowerPoint

Job description

Job Profile

The Manager Credit & Monitoring is responsible in providing support in implementing the credit strategy, manage credit risk assessment and forecasting and analyze financial data, project feasibility studies and market trends to mitigate credit risks effectively

Primary Job Duties/Responsibilities

The key job duties/responsibilities are enumerated below:

• Perform thorough financial analysis of the entities, including analyzing financial statements, cash flows, and key performance indicators
• Develop and implement credit policies, procedures and guidelines to ensure prudent lending practices and compliance with regulatory requirement
• Reviewing agenda notes for loan sanction with respect to its completeness, meeting the regulatory guidelines and policies requirement.
• Assist in post sanction work like issuance of sanction letter, amendments in terms and conditions (till initial disbursement) if applicable, Appointment of third parties like LIE/ LFA if applicable.
• Assist in credit approval process ensuring compliance with company policies, procedures and regulatory requirements
• Providing support in continuous monitoring of Standard accounts as well as EWS accounts in order to keep the slippage at minimal.
• Identifying and monitor project performance metrics and financial data to gauge project profitability, identify areas of improvement and make data driven decisions
• Providing data pertaining to project performance and monitoring metrics to key stakeholders and addressing any concerns or inquiries
• Identifying areas of risk/concern in the project, develop risk mitigation strategies in adherence to regulations
• Assisting in managing aspects of project finance operations including budgeting, forecasting and financial reporting
• Examining borrowers request for modification of Terms and Conditions
• Providing project related input to legal team while filing various petitions on PFSs behalf. Providing information for compilation of various MIS (NPA, EWS, Fraud, Written off accounts, Security non-compliance, modification etc) to Board / Board Committees / MD & CEO as applicable.
• Assist in implementing strategies to mitigate credit risks and improve portfolio quality Prepare reports on credit portfolio performance and key metrics for presentation to the EVP Credit and ED Credit

Classification: Internal

• Ensuring KYC Compliances.
• Ensuring compliance to Regulatory requirement on appraisal aspect like KYC, group exposure, date protection etc.
• Ensuring the statutory and regulatory compliances and compliance of policies & SOPs of PFS related to the respective functions being handled.
• Ensuring the compliances on the decisions taken by Board Committees & Board time to time related to the functions being handled.

Educational Qualifications

• Candidate should be preferably a post-Graduate with degree in Business Administration (MBA) specialising in Finance or a CA/CFA with a graduate degree

Experience

• The candidate must have a minimum of at least 3-5 years of overall experience in a Bank / AIFI of which at least 2 years of experience in credit/ industry risk management
• The candidate should have in-depth understanding of the various infrastructure sectors including the Govt. policy framework, the key issues plaguing the sector, the key players in the sector, their position in the industry, etc.
• Should have working knowledge of enterprise risks (Credit risk, Market risk, Operational risk / fraud risk, Climate risk) in the Corporate & Institutional Banking portfolio.
• Strong numeracy, analytical and research skills
• Proficiency in MS excel, MS PowerPoint and other analytical tools
• Should have ability to work in cross functional teams, should be highly committed and able to communicate clearly. Should have good oral and written communication skills
• Experience in developing top grade credit underwriting and risk assessment skills and best performing credit analyst teams.