Sr Business Analyst - Mid Market

Job Summary

Job Description Business Analyst

Enriching Lives Winning as ONE

Role Details

• Business: Aditya Birla Capital
• Unit: Aditya Birla Fice Limited
• Location: Chennai
• Role: Business Analyst
• Department: Midmarket SCF

Eligibility Criteria

Masters in Fice, 34 Years of Relevant Experience

Required Skills / Competencies

• To research and analyse credit risk for MidMarket cases through existing due diligence processes, external agency support and in conjunction with the sales staff and risk team
• To assess credit history and approve/deny extension of credit to potential commercial customers
• To keep the housekeeping under control i. e. timely renewals, tracking of DPDs (for the assigned portfolio)
• To prepare proposals for approved cases and work in collaboration with sales and risk teams to ensure sanction limits and enable quick TATs
• To develop and maintain positive business relationships with dealers, commercial customers and sales staff
• To render appropriate credit decisions for more complex commercial ficing requests
• To assist less experienced Credit Analysis team members with Mid Market on credit policy issues and commercial underwriting negotiations

Key Responsibilities

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews.

Credit Analysis Operations

Supporting Actions:

• Analyzes credit applications to determine the degree of risk involved in extending credit
• Makes prudent business decisions based on internal credit policy guidelines to approve or deny the extension of credit within established credit authority.
• Analyzes ficial statements, collateral, debt service, personal ficial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.
• Prepares, evaluates underwrites fice proposals
• Implements ensures adherence to credit policies and processes
• Strategizes sees through the policy/ industry / market changes implements the same in underwriting decisions
• Facilitates faster deal closures through proactive participation in deal structuring credit enhancement
• Maintain desired TATs for deal processing by collaborating actively with sales, risk and operations teams
• Carries out personal discussions with clients for underwriting loans for Mid Market when required
• Works with the CAD and sales teams to ensure effective and complete loan documentation
• Liaises with risk/ legal department on nonstandard documents and/or exceptions to policy to ensure loan sanction process runs smoothly and compliantly

Sales Support Operations

• Complements sales relationship management activities by maintaining regular touch points with existing clients on collateral health and credit limit utilization
• Meets with clients as required in conjunction with sales to support negotiations/ deal structuring if required

Stakeholder Management

• Builds good relationships with marketing/sales representatives, to structure loans to minimize risk and to close loans, and interacts effectively with a variety of departments.
• Develops and maintains strong business relationships with sales team members to ensure sales volume objectives and credit quality are both balanced and achieved
• Challenges sales/ business functions on high risk cases
• Supports quick closure / STP [ Straight through processing] for clean cases in collaboration with the Risk operations teams
• Manages and seeks support from CPA [ Certified Public Accountants] and provides appropriate training related to organization compliance policies and processes
• Collaborates effectively with external agencies (Legal, Technical and Verification) for reports and opinions and to ascertain credit ratings / history for specific potential credit cases and existing loan customers

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