Role Overview:
We are looking for a Credit Analyst to assess and manage credit risk for large corporate clients with exposures exceeding 500 Crore. The role involves in-depth financial analysis, credit appraisal, and risk assessment to support lending decisions for large-ticket corporate accounts.

Key Responsibilities:
Conduct detailed credit analysis and appraisal of large corporate borrowers (exposure > 500 Cr.)
Prepare credit proposals, credit memos, and rating notes for recent and renewal facilities
Analyze financial statements, cash flow projections, ratio analysis, and industry/sector risk
Assess creditworthiness, repayment capacity, and structuring of credit facilities (fund-based & non-fund based)
Conduct due diligence including promoter background checks, group exposure, and banking arrangements
Monitor existing large corporate accounts for early warning signals and covenant compliance
Coordinate with relationship managers, risk management, and credit committee for approvals




Prepare and present credit notes to internal credit committees / sanctioning authorities
Ensure adherence to internal credit policies, RBI guidelines, and regulatory norms
Track industry trends, sector outlook, and macroeconomic factors impacting large corporate credit
Liaise with rating agencies, auditors, and external consultants as required

Key Requirements:
MBA (Finance) / CA / CFA or equivalent qualification
26 years of experience in corporate credit analysis, preferably with exposure to large corporate accounts (> 500 Cr.)
Robust understanding of financial statement analysis, credit risk assessment, and corporate lending products
Experience in preparing credit appraisal notes / CMA data analysis
Sound knowledge of banking regulations, RBI norms, and credit rating frameworks
Excellent analytical, communication, and presentation skills
Proficiency in MS Excel and financial modeling

📌 Credit Analyst New Delhi
🏢 KMZ Services
📍 New Delhi