Description

Role : Credit Analyst – SFG | M4-M5
Key Responsibilities:

- End-to-end Credit Appraisal: Preparation of comprehensive credit appraisal notes for Corporate Loans and Structured Finance transactions, ensuring robust analysis and alignment with internal risk policies.

- Credit Underwriting & Due Diligence: Independently conduct detailed financial, Business and management due diligence; evaluate deal structures; develop and review cash flow models; and assess repayment capacity.

- Industry & Market Assessment: Perform in-depth industry research, market mapping and competitive benchmarking to support transaction evaluation and risk assessment.

- Field Visits & Monitoring: Conduct unit/factory visits to validate operational and financial information and prepare detailed inspection and monitoring reports for senior management.

- Risk Evaluation & Structuring: Collaborate with business teams to negotiate and finalize transaction terms and conditions, ensuring adequate mitigation of identified risks.

- Portfolio Monitoring: Prepare and present monthly monitoring reports to top management,



highlighting key developments, compliance status, and critical exposures.

- Early Warning & Stress Identification: Identify early signs of stress across the portfolio, recommend strategies for account management, and support timely corrective actions.

- Compliance & Governance: Monitor adherence to covenants and terms & conditions and drive corrective measures to address deviations or non-compliances.

Key Competencies:

- Strong understanding of corporate credit, financial analysis, structured finance concepts, and risk management principles

- Advanced analytical and financial modelling skills with the ability to interpret complex financial statements

- Excellent written and verbal communication skills, with solid presentation and stakeholder management capabilities

- Ability to independently assess deal structures and propose risk mitigated solutions

- High attention to detail, sound judgment, and a proactive approach to credit risk assessment

📌 Credit Analyst-SUPPORT SERVICES-Credit (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai