Credit Analyst - Construction Finance-Aditya Birla Housing

Job Description:

Job Context

Key Aspects:

The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs.

• The Business Credit Analyst is an integral part of the Construction Finance Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.
• The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.
• He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process.
• Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes.
• Generating various MIS’s and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect.

Key Challenges                    

• Cross functional coordination to enable timely approval of credit proposals
• Self-updating on economic / sectoral changes in the economy
• Improvising on TAT
• Seamless co-ordination with multiple internal and external entities
• New product development