We are seeking a skilled Credit Analyst to join our Mid Corporate Banking division. The role involves evaluating creditworthiness of mid-sized corporate clients, conducting financial analysis, and supporting relationship managers in structuring credit proposals aligned with the bank's risk appetite.
Key Responsibilities
- Conduct detailed financial statement analysis of mid-corporate clients (P&L;, balance sheet, cash flow).
- Assess credit risk, industry outlook, and borrower repayment capacity.
- Prepare comprehensive credit appraisal notes and risk rating assessments.
- Support relationship managers in structuring loan proposals, working capital facilities, and term loans.
- Monitor portfolio performance, track early warning signals, and recommend risk mitigation measures.
- Liaise with internal teams (risk, compliance, legal) to ensure adherence to credit policies.
- Stay updated on industry trends, regulatory changes, and market developments impacting mid-corporates.
Desired Candidate Profile
- 3–7 years of experience in credit analysis within banking/financial institutions.
- Robust knowledge of corporate lending, credit risk assessment, and financial modeling.
- Proficiency in MS Excel, financial ratios, and credit rating methodologies.
- Excellent analytical, communication, and presentation skills.
- Ability to work under pressure and deliver accurate credit assessments within timelines.
Educational Qualification
- MBA (Finance), CA, CFA, or equivalent professional qualification preferred.
📌 Credit Analyst (Pune)
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📍 Pune
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