Product Specialist

Credit assessment

• Tracking of covenants and management of exceptions / deviations
• Regular review of the case
• Inspections / Site visits Sector assessment
• Detailed Financial analysis including finalization of financial model
• Preparation of Credit Approval Memorandum and following internal approval processes
• Meet with all pre-disbursal and post disbursal compliance
  

Communication/PR of Bank’s products

• Undertakes brand communication initiatives for designated products
• Communicates product positioning messaging that differentiates YES Bank’s products in the market
• Increase Bank’s visibility in the finance circle / industry sector
  

Market Research

• Illustrates understanding of consumers, competition and current market conditions through primary and secondary research
• Sector tracking / management presentations
  

Credit Appraisal

• Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions
  

Documentation and Compliance

• To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group