Senior Business Analyst - CF - Bangalore

Key Result Areas

Supporting Actions

KRA 1

Evaluation Credit Analysis

Case Analysis using Ficial models for Promoter Group, Micromarket and Transaction structure

• Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, ficial evaluation.
• Liaison with internal stakeholders viz. Risk, Legal, Technical, Fice, Accounts and Operations
• Liaison with external agencies for due diligences legal, technical, valuation, ficial diligence, etc.
• Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA 2

Evaluation Note Preparation

Case Underwriting within guidelines of regulatory framework and ABFL polices

• Preparing Credit Assessment Memo for transactions
• Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.
• Issuance of sanction Letter to the customer as per the note prepared and signoff provided.
• Initiate framework for Post disbursement monitoring activties
• Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA 3

Execution Case Documentation

Case Documentation within guidelines of ABFL polices and framework

• Prepare and execute Pre Post transaction documentation
• Coordinate with customer for information and documentation from login to post disbursement
• Carrying out Post disbursement monitoring activties
• Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures
• Carrying out post closure formalities.

KRA 4

Quality Compliance

Customer Backoffice coordination on day to day operational activities to align with ABFL compliance policies.

• Processing of Escrow fund transfers on daily basis
• Processing of NOC requests on daily basis
• Collection, evaluation and follow up with internal / external environment for following activities:
  • Sales MIS to be obtained from customer on monthly basis
  • COP MOF to be obtained from customer on quarterly basis
  • Subsequent progress reports to be obtained from valuer on quarterly basis
  • Opening and Activation of Escrow Accounts
  • Tracking and closure of PDDs
  • EMI / Interest dues / LOC dues presentation to be obtained from operations and collected from customer on monthly basis
  • Legal Diligence Technical / valuation reports
  • Calculation, maintece and release of DSRA
  • Maintece of tracker for Insurance policies of funded cases
  • Audited Ficials of borrowers / guarantors to be obtained from customer on annual basis
  • TDS reconciliation to be obtained from customer on quarterly basis
• Credit Application Processing in system
• Providing Statements of Accounts and Balance confirmations to customer.
• Providing Credit Information Reports to other lenders.

KRA 5

Quality NPA, SMA2

Compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

• Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
• Ensure the maintece of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels
• Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors and highlight early warning signals
• Understand local currents and risk factors, providing an input to take decisions on new and existing loans

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