Senior Business Analyst CF Bangalore

Key Result Areas

Supporting Actions

KRA 1

Evaluation Credit Analysis

Case Analysis using Financial models for Promoter Group Micro-market 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 financial evaluation.
• Liaison with internal stakeholders viz. Risk Legal Technical Finance Accounts and Operations
• Liaison with external agencies for due diligences legal technical valuation financial 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 sign-off 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
• Co-ordinate 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 Back-office 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 maintenance and release of DSRA
  • Maintenance of tracker for Insurance policies of funded cases
  • Audited Financials 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 maintenance 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