Credit Analyst
Axis Bank
Total years of experience :8 years, 11 Months
Presently working in Axis Bank Limited as Credit Analyst in SME-Credit department.
Key Result Areas:-
•Handling the SME portfolio of Kolkata and rest of West Bengal of Rs.250 crores.
•Complete responsibility of the portfolio for renewal, enhancement and delinquency management.
•Under writing of various Fund-based and Non-Fund based products - Cash Credit, Term Loan, Packing Credit, Bill discounting, Buyers Credit, Letter of Credit and Bank Guarantee.
•Credit Assessment Memo (CAM) preparation.
•Complete responsibility for login and sanction as per TAT.
•Proper coordination with Operation Department for smooth disbursement process.
•Preliminary assessment of cases logged in by RM to ascertain the feasibility of the case.
•Critical analysis of business model, cycle, trend and turnover of respective business.
•Assessment of various Fund-based and Non-Fund based products - Cash Credit, Term Loan, Packing Credit, Bill discounting, Buyers Credit, Letter of Credit and Bank Guarantee.
•Preparing Credit Assessment Memo (CAM
•Handled SME-loan portfolio of Guwahati region for all traders and manufacturers products like Cash Credit, Secured Over Draft Facility, Term Loan, Bank Guarantee and other Non-Fund Based facilities.
•Carrying out critical analysis of Profit & Loss A/c and Balance Sheet involving various ratio analysis, financial worthiness of client and security valuation.
•In-depth analysis of bank statements, transactions and past banking conduct.
•Critical analysis of business cycle and annual turnover of respective business.
•Preparing loan proposal, analyzing risk and scrutinizing relevant documents before credit login for SME segment, ensuring various compliance as per bank’s norm.
•Explain to customers the different types of SME loans and credit options that are available, as well as the terms of those services.
•Review loan agreements to ensure that they are complete and accurate according to policy.
•Review, renewal and update loan files.
•Negotiate payment arrangements with customers who have delinquent loans.
Major in MBA(Finance)
Management Studies
Subject of study 1.English 2.Accountancy 3.Economics 4.Business Studies 5.Computer Science