Credit Analyst

Description:

• Analyze the “Note for In Principal Approval” initially and Credit Memorandum obtained from business functions on the following key areas for detailed due diligence:
• Facility Structure/Transaction in terms of the following:
• Purpose
• Pricing
• Tenor
• Conduct Financial Analysis for the following:
• Balance Sheet trend Analysis
• Cash Flows Assessment
• Income Statement trend Analysis
• Horizontal and Vertical Analysis
• Credit Assessment of the borrower’s industry and macro-economic factors.
• Assess the impact of Change in any government regulations and policies on the borrower’s business.
• Analyze the purpose of Credit and the primary and secondary sources of repayment
• Assess the borrower’s track record and repayment history
• Evaluate the repayment capacity of the borrower
• Evaluate the proposed terms and conditions and covenants of the transaction and align them with the company policy.
• Analyze the collateral in terms of:
• Adequacy
• Enforceability
• Charges
• Quality of the management, assess the people behind the project in terms of their credentials and previously conducted businesses.
• Conduct an analysis of the borrowers’ macro environment (customers, suppliers, competitors etc.)
• Putting up queries and gaining their responses wherever any shortfalls or discrepancies are observed in the Credit Memorandum.
• Preparing the executive summary, highlighting all the important areas of concern and the queries put up and clarifications sought from Corporate Banking & SME Group.
• Keep track of the Annual reviews falling due and analyze the same by taking feedback on the account from CAD.