Banking Operations Sr Associate

Responsibilities

• Review SME credit applications and assess borrower creditworthiness using financial statements, cash-flow analysis, and collateral evaluation.
• Analyze loan account performance to identify repayment behavior patterns, exposure trends, and potential early warning indicators.
• Verify adherence to approved loan terms, repayment schedules, covenants, and internal policy guidelines.
• Prepare clear, structured credit review notes and working papers consistent with established Standard Operating Procedures.
• Support periodic portfolio reviews to identify risk concentration, emerging risks, and quality trends across the credit book.
• Assist Relationship Managers and onshore teams by providing analytical insights using internal rating models and risk-scoring tools.
• Ensure full compliance with operational, administrative, and regulatory requirements while maintaining updated knowledge of processes.
• Participate in training sessions, team discussions, and customer/partner calls as required by business needs.