Senior Analyst, Credit Administration

Job Purpose

• Handle post-sanction activities within the credit framework for Large Corporates.
• Ensure adherence to credit, regulatory, legal, and product guidelines prior to disbursement.
• Conduct extensive due diligence and monitor credit conditions stipulated by the approving committee.
• Ensure adequate limit, covenant, collateral, and document management.

Key Responsibilities

• Handle a wide range of products including working capital, term loans, NCDs, investment limits, portfolio buyouts, and commercial paper in Large Corporate and FIG segments.
• Verify that all credit appraisals are adequately approved and conform to internal and RBI guidelines.
• Guide and mentor team members to ensure error-free processing within committed timelines.
• Check for breaches of statutory/internal exposure limits.
• Ensure enforceable legal documentation for credit facilities as per legal guidance and standard procedures.
• Involve in security creation, including mortgages, pledges, and hypothecation.
• Ensure compliance with all conditions precedent prior to disbursement.
• Provide clearance for disbursement through LSM/DM for Loan Operations.
• Set up processes or modify existing processes to avoid operational risks.
• Coordinate with the Loan Operations team for seamless transaction processing.
• Ensure tracking of various covenants/deferrals in the system.
• Liaise with Business Teams, Legal, and Credit teams for timely and quality deliverables by resolving issues and answering queries.
• Ensure safe keeping and retrieval of loan documents.

Requirements & Tech Stack

• Banking
• Credit Administration
• Loan Documentation
• Risk Management
• RBI Guidelines
• LSM/DM
• Loan Operations

Qualifications

• B.Com & M.Com