Senior Credit Analyst (Medium Enterprises Risk) @ Yes Bank, Noida

Yes Bank; Dadri; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Yes Bank is seeking a Senior Credit Analyst to strengthen its Credit Risk Management function. The role focuses on ensuring high-quality credit appraisal for worthy borrowers, and timely approvals within delegated authority.

You will manage loan portfolios, monitor risk, and address delinquencies while upholding credit policy compliance. The position demands collaboration with internal stakeholders and adherence to process SLAs.

Qualifications

• Quality credit appraisal for worthy borrowers.
• Timely credit approvals as per delegation.
• Portfolio risk and rating management.

Responsibilities

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely credit and transaction approvals for delegation under self.
• Managing loan portfolio with respect to credit rating/quality.
• Identify de risk account / AL accounts.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency.
• Review exceptions and approval for knocking.
• Revert on the Hindsight and Internal audit observations

Job description

Role: Senior Credit Analyst

BU: Credit Risk Management

SBU:Medium Enterprises Business Risk (ME Risk)

Clients' Turnover: Up to 500 Crores

Ticket Size: 15 to 100 Crores

Location: Max Towers, Noida

ROLE SUMMARY:

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely credit and transaction approvals for delegation under self.
• Managing loan portfolio with respect to credit rating/quality.
• Identify de risk account / AL accounts.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Revert on the Hindsight and Internal audit observations

KEY RESPONSIBILITIES/ ACCOUNTABILITIES:

Strategic/ Managerial Responsibilities

• Ensuring Credit appraisals are done within TAT
• Ensuring adherence to the credit policy and process.

Core Responsibilities

• Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM
• Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet
• Timely completion of credit appraisals / renewals/PSMs with effective structures
• Customer Meetings and Discussion along with factory/ Unit visit where ever required.
• Timely closure of exceptions & managing limit/facility overdue.
• Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action
• Interaction with various stakeholders (internal and external) for review of such customers
• Carry out internal rating of customers and assign/review rating
• Maintain/monitor Credit Hygiene

People Management or Self-Management Responsibilities

• Timely/ effective closure of transaction requests. Minimal CAM over dues.
• Timely closure of exceptions & managing limit/facility overdue.

Risk and Internal Control Responsibilities

• Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings,Hind-sighting, CPA Management