Portfolio Manager - Pre & Post Sanction

Pre and Post Sanction Credit Analyst (Operations)

Job Overview:

The Pre and Post Sanction Credit Analyst is responsible for managing both the pre-approval and post-approval stages of the credit process. This role involves conducting thorough credit analysis, evaluating risk factors, ensuring compliance, and monitoring the credit lifecycle from application to post-sanction monitoring. The analyst plays a critical role in supporting the company s lending decisions by assessing the financial viability and risk of potential borrowers, as well as ensuring adherence to credit policies and regulatory standards after credit has been approved.

Key Responsibilities:

Pre-Sanction Responsibilities:

• Credit Assessment:
• Review and analyze loan or credit applications to evaluate the creditworthiness of potential borrowers. This includes scrutinizing financial statements, credit reports, business plans (for commercial clients), and other relevant documentation.
• Due Diligence:
• Perform thorough due diligence by verifying applicant information, including employment verification, property appraisals (for mortgages), secured and unsecured lending and the authenticity of financial documents. Conduct PD (CPV) report
• Decision Support:
• Provide recommendations to management and the credit committee based on a detailed risk analysis, ensuring that credit decisions align with company policies and regulatory requirements.

Post-Sanction Responsibilities:

• Loan Documentation:
• Ensure that all necessary documentation (loan agreements, security documents, etc.) is collected, reviewed, and accurately processed before disbursement.
• Risk Management:
• Continuously assess post-sanction risks and proactively address any issues related to payment delays, defaults, or any other concerns that may affect the loan s performance.
• Portfolio Review:
• Conduct periodic reviews of the credit portfolio to identify any emerging risks, changes in borrower circumstances, or industry shifts that may affect the creditworthiness of borrowers.
• Restructuring Modifications:
• In cases of financial distress or non-compliance, assess the need for loan restructuring, and propose modifications to the loan agreement in consultation with relevant departments.
• Client Relations:
• Maintain regular communication with clients after the loan is sanctioned to ensure that they are informed of any changes or issues. Address borrower queries related to repayment or credit terms.
• Collections Support:
• In the event of defaults or delinquencies, work with collections teams to support recovery efforts, while ensuring that collection practices comply with internal policies and legal requirements.

Qualifications:

• Education:
• A Bachelor s degree in finance, accounting, economics, or a related field. A master s degree or professional certification (e.g., CFA, FRM) is a plus.
• Experience:
• Minimum of 3 years of experience in credit analysis, risk management, or a similar role. Prior experience in pre and post-sanction credit management, banking, or financial institutions is preferred.
• Skills Abilities:
• Strong analytical and problem-solving skills.
• Ability to assess credit risk and determine appropriate terms and conditions.
• Knowledge of financial statements, credit reports, and financial modeling.
• Familiarity with credit underwriting processes and loan structures.
• Proficiency in credit analysis tools, financial software, and Microsoft Office Suite.
• Strong attention to detail and accuracy in processing and analyzing credit information.
• Effective communication skills for both client interaction and internal reporting.
• Ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
• Strong understanding of regulatory requirements and lending practices.
• Certifications (Optional):
• Certifications such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.