Credit Origination Analyst-SME Banking Job Equity Bank
Role Purpose:
- Champion of the BORROW Pillar for the Bank & have Overall responsibility for Portfolio Growth, Income Generation and Portfolio Quality within Business Banking.
- Primarily responsible for proper structuring of Borrower needs/solutions that manage inherent risks associated with the portfolio and ensuring high-quality portfolio.
- Closely work with the relevant stakeholders from Origination, Utilization to Monitoring, playing a vital role in deal structuring to add-value from Business, Credit & Bank Policy perspectives.
- Participate and contribute to cross-selling the Bank’s products across other Pillars – MOVE, SAVE & INVEST and INSURE.
Key Responsibilities / Deliverables:
- Accompany Relationship Managers & Product Specialists, as applicable, in Client visits to originate identified Borrowing needs with a view to seamlessly manage the onboarding process.
- Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
- Work with relevant stakeholders in structuring credit solutions for the clients and ensuring the appropriateness of the products.
- Prepare and secure approval for Term Sheets, wherever required
- Work with relevant stakeholders in:
- Obtaining all deal pre-clearances i.e. KYC, AML/CT Screening, ESG Review, CRB Check, etc.
- Deal Structuring and other relations
Qualifications
Qualification / Certifications:
- Bachelor’s degree from a recognized institution
- Master’s Degree and Certification in Credit Related Course is an added advantage
Experience:
- A minimum of 5 years’ relevant experience
- Good track record of credit analysis and financial understanding.
- In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.
How to Apply
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