Credit Analyst Senior Credit AnalystMumbai

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  • CategoryFinance
  • Sub CategoryFinancial Analyst
  • LocationMumbai
  • CompanyIndusInd Bank
  • Posted date on our Website06 January 2011
  • Expiration Date06 January 2011

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Here are the details of Credit Analyst Senior Credit Analyst job in IndusInd Bank. This job or placement paper has been sourced from either company website or newspaper or other media and from students who appeared for this job. User is requested to verify the data before applying for the job.

Candidates around 28-35 years of age with 3 to 10 years of experience as a Credit Analyst with SME / Large Corporates. The responsibilities include credit appraisal of lending proposals to SME/Large Corporates, risk assessment and rating and making recommendations to approving committees.

Minimum Qualification –
Graduate in Commerce/ Finance / Accounting
 

About IndusInd Bank:-

IndusInd Bank, which commenced its operations in 1994, caters to the needs of both consumer and corporate customers. It has a robust technology platform supporting multi-channel delivery capabilities.

IndusInd Bank believes in driving its business through technology. It has multi-lateral tie-ups with other banks providing access to their ATMs for its customers. It enjoys clearing bank status for both major stock exchanges - BSE and NSE - and three major commodity exchanges in the country - MCX, NCDEX, and NMCE. It also offers DP facilities for stock and commodity segments. The Bank has been bestowed with the mandate of being a Settlement Banker for six tea auction centres.

Working at IndusInd Bank- Why Should i Join IndusInd Bank?

IndusInd Bank is on a high growth trajectory and is on the path to steadily becoming one of the best performing banks in the country. In the last 2 -3 years

IndusInd Bank employees have been at the fore-front of this change. It intent has always been to provide an enabling work environment which helps employees actualize their potential and grow in both, personal and professional hemispheres of life.So when you join IndusInd Bank, you are not merely an employee of a Bank but a proud partner of an institution that has set out to carve a niche for itself in the Banking space.
 

Contact Details:

Address of IndusInd Bank:-

IndusInd Bank Ltd
701/801 Solitaire Corporate Park.
167, Guru Hargovindji Marg,
Andheri - (E),
Mumbai.
Phone : 022 5641 2200
Fax : 022 5641 2224

http://www.indusind.com/indusind/wcms/en/home/footer/careers/from-desk-head-hr/index.html

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Comments / Reviews / Queries On

  • Umakant Kesgire Tel: 09970129955 ~ E-Mail: umkesgire@gmail.com To understand & learn intricacies of corporate finance through self involvement & be dynamic and innovative in ever changing finance environment to be a successful finance professional. ________________________________________BRIEF OVERVIEW________________________________________________________________________________ ? Result proven professional with 2 years 3 month (approx. ) of experience in Credit Department in the areas of: - Credit Appraisal, Risk Analysis and Project Financing, Business Development & Customer relationship ? Currently employed with S E Investments Ltd in Credit department. ? Exposure in overall credit appraisal process. (Projecting/CMA, forecasting future of the company, Ratio Analysis, Credit Appraisal etc)) ? Demonstrated initiatives in development new products like Inter-Corporate Deposits, Security Based Lending, and industrial promotion subsidy. ? Possess good communication, interpersonal and relationship management skills. ________________________________________ EMPLOYMENT SCAN __________________________________________________________________ Since June 01, 2011 S E Investments Ltd., Mumbai - Credit officer ? To prepare appraisal proposals & analysis of various risks that includes industry analysis, Business risk, financial risk & management risk, analysis of audited financials of the company, analysis of business model of the company, preparing financial profitability of the company etc. ? Cross check the documents submitted by the customer processing of the Business loan applications. ? •Examination of the financial documents & Banking statement for creditability checking of the customer. ? Preparation of the credit appraisal note for decision holding. ? Personal discussion with customer & Visit to the company to meet the Promoters or key management officials of the company ? Follow-up with the clients till the loan is sanctioned and disbursed. ? Pre and Post disbursement Documents Scrutiny and Analysis as per the credit norms. ________________________________________PREVIOUS EMPLOYMENT SCAN______________________________________________________________ Since Oct 25, 2010 to May 2011 SICOM Investments Finance Ltd., Mumbai - Credit Analyst & Since Aug’09 to Oct 2010: SICOM LTD., Mumbai - Assistant Manager, Funds (Credit Appraisal) and Promoter Funding Key Deliverables in Funds Pre-Sanctioning ? Indentify the needs of the clients and accordingly suggest the suitable product to the client. ? Business development/selling of Financial products of Loan ? Negotiate loan terms with the clients. Sanctioning ? Visit to the company & meet the Promoters or key management officials of the company. ? To prepare appraisal proposals & analysis of various risks that includes sales analysis, product analysis industry analysis, Business risk, Financial risk & management risk, analysis of audited financials of the company, analysis of business model of the company, preparing financial profitability/CMA of the company ? For credit rating purpose, act as an intermediate between Credit Risk Group and Client. ? Handled portfolio of Rs. 250 cr for long term loan and Rs. 50 cr for ICD ? Representing the proposals in the Investment Committee (IC) or Executive Committee (IC) meeting. ? Address the concerns of the IC/EC and get the proposal sanctioned. ? Issuing a sanction letter to the company mentioning the clear conditions to the client. Pre-disbursement conditions and security creation aspects as well as Post-disbursement follow up like interest, principal instalment follow up and insurance policy follow up. Disbursement ? Act as an intermediate between legal department and client for legal documentation. ? After the completion of the legal process, disbursement of funds to the company. Monitoring ? Keeping updates on the Industry, micro and macroeconomics and its effect on the financial performance of the client. ? Monitoring performance of the client on quarterly basis (if listed) or else on yearly basis. ? Monitoring the valuation of the security, net-worth of the guarantor by asking yearly updates on the same. ? Ensure timely repayment of Principal and interest instalments. Key Deliverables in promoter Funding: ? Calculating the eligibility & Beta of the stocks of clients. ? Meeting the company officials/Promoter and negotiating the terms of the loan proposal ? Pledging the shares of that company. ? Monitoring the volatility of the shares, accordingly top up or release the shares as per the stipulated security on a daily basis. ________________________________________ SUMMER INTERNSHIP___________________________________________________________________________ Title: Comparative Analysis of Insurance Product-ULIP Organisation: ING Vysya Life Insurance Co. Ltd. Duration: 8 weeks Role: To study the various insurance products available in the market. ? Analyse the pros and cons of ULIP of various companies. ? Study the ROI for each of the ULIP product. ________________________________________SCHOLASTICS____________________________________________________________________________________ ? Master of Management Studies (Finance) from Chetana’s R. K. Institute of Management & Research, Mumbai in 2009 with 71.25%. ? B.Tech. Chemical from Dr. Babasaheb Ambedkar Tech. University, Lonere, Raigad in 2006 with 62.70% ? Intermediate (HSC) from Maharashtra Udaigiri Mahavidyalaya, Udgir (Latur Board) in 2002 with 71.67% ? SSC from Lal Bahadur Shastri Vidyalaya, Udgir (Latur Board) in 2000 with 77.46%. ________________________________________ ADDITIONAL QUALIFICATION___________________________________________________________________ ? Completed NCFM’s Financial Market Beginners Module. ? Completed NCFM’s Capital Market, Securities Market & Derivatives Market Modules. ________________________________________ PERSONAL DOSSIER________________________________________________________________ Date of Birth : 17th March, 1985 Address: Flat No. Bldg No.89 B, Flat No 06, Govt colony Bandra (E) , Mumbai 51 Alternate email ID: Kesgireum@yahoo.co.in Date: Sign: Umakant , on 23-11-2011 Report Abuse

  • hello sir i am suraj kumar. i have completed my MBA in finance. i am fresher. if there is any vaccancy than plz call me in this no.8010398418 suraj kumar, on 04-11-2011 Report Abuse
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