Analyze financial statements, credit notes, and lending proposals for large and mid-sized corporate borrowers, including project finance and real estate transactions. Prepare credit risk vetting reports, validate internal borrower ratings, review rating outlooks, identify proposal risks, and support timely loan sanctioning. The role also contributes to credit risk model refinement, rating accuracy improvements, lending protocol compliance, and spreadsheet-based financial analysis.
The role is responsible for preparing and issuing credit risk vetting report for large and mid corporate proposals, including project finance/real estate proposals within allowed TAT to enable business and processing team to put up loan proposals for sanction.
- Thorough analysis of financial statements and credit notes put up by the business/credit team including new requests, change request and refinancing.
- Confirming the Internal Credit Risk Rating of borrower as per CRM policy of the bank.
- Preparing risk vetting reports based on the credit note and submit to the lead credit risk/ Head Credit Risk.
- Review of rating outlook of high value borrowers as per CRM policy of the bank.
- Highlighting risk elements in Proposals submitted for preliminary discussion.
- Contributing towards credit risk models fine tuning as well as improving accuracy of rating.
- Keep up to date with the company’s lending protocols.
- Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
Experience: 7 to 10 years
Qualifications: Graduate (Any)/MBA preferred
CSB Bank Mumbai, Maharashtra, IND Office
CSB Bank Limited Mumbai Office, Siroya Center, 1st, 2nd and 3rd Floor, Sahar Airport Road, Andheri East, Mumbai, Maharashtra, India, 400099
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