Credit Analyst – Commercial Credit Cards

Hiring for: A leading private sector bank in India, offering a wide range of banking and financial services to corporate, retail, and institutional clients.

Role: Credit Analyst – Commercial Credit Cards

Positions: 1

Experience: CA Freshers

Location(s): Mumbai - Andheri

Salary: CA first attempt - Upto INR 15 LPA | CA multiple attempts - Upto INR 9.50 Lacs

Roles and responsibilities:

·       Underwrite CC applications in accordance with the laid down credit policy and process guidelines.

·       Decision the CC applications within the pre-defined business TAT without compromising on quality of decision

·       Verify and scrutinize all the applications provided by the applicant for underwriting

·       Conduct bureau checks, banking assessment and financial analysis.

·       Review all physical verification report, RCU report, Hunter report, etc before approval 

·       Mentor and train new recruits in the Underwriting team

·       Coordinate with vendors and monitor service levels and quality standards.

·       Prepare and present comprehensive Credit Assessment Memorandums (CAMs) proposals to the Committee and other relevant approval forums

Technical Skills:

·       Knowledge of loan originating cycle – Loan application, processing, underwriting and disbursement.

·       Good knowledge of Loan Origination System

·       Strong understanding of credit policies, risk assessment, and underwriting principles

·       Experience in analysing of credit policy and repayment capacity before approving the loan application

·       Working knowledge of credit bureau

·       Microsoft Office exposure, specifically MS-Word and MS-Excel

Soft Skills:

·       Goal oriented, highly motivated, team-player person

·       Strong analytical, decision making and communication skills

·       Ability to multitask and work independently

·       Strong attention to details and ability to time management

·       Problem solving and result based approach