Credit Analyst Job in Portfolio Financial Services Ltd.

Primary Functions/Responsibilities:

• To manage all proposals originated in Mumbai.
• To manage also proposals referred by other locations to banks having their branches and / or HOs in Mumbai.
• Appraising proposals & credit requirements of clients & Presentation to the Management for sanctions/approvals.
• Responsible for the pre & post sanctioning documentation.
• To prepare the CMA report & various financial reports for the Bank.
• Ensure the compliance with organizational / Bank credit policies.
• Responsible for recovery/follow-up from customers for dues.
• Ensuring TAT with respect to obtaining sanctions, clearance from compliance groups.
• To develop, build & maintain a strong relationship with our regular (loyal) Banks as well as New Banks in the state for achievement of long term business objectives.
• Track proposals & Update Management on daily basis/as per the defined schedule
• Liaison with bankers for optimizing the overall cost of fund, periodic declaration etc.
• Constant updation of knowledge/information w.r.t. any changes in the compliances / processes /markets and sharing the same with the management & team .To manage all proposals originated in Mumbai.

Secondary Functions/Responsibilities:

• Conceptualizing and implementing competent strategies with a view to penetrate new relationships and expand existing ones with Banks & FIs.
• Assessing creditworthiness of clients and identifying the account sickness in incipient stage to reduce delinquency ratio.