Purpose of the position

- The role is positioned as Credit Analyst for JBIN India.

- Role will involve Supporting relationship managers in JBIN.

- Preparation of credit applications for JBIN clients(Japanese & Korean corporates).

- Maintaining and enhancing existing customer relationships.

Job Responsibilities

- Prepare comprehensive credit applications and conduct credit analysis and grading for both recent and existing customers across pan-India.

- Evaluate borrowers financial statements, credit history, and overall financial health to assess creditworthiness and repayment capacity.

- Ensure all credit applications adhere strictly to the banks credit policies, guidelines, and regulatory requirements.

- Collect, analyze, and interpret financial data to identify potential risks, providing actionable recommendations to mitigate credit risk.

- Establish suitable credit limits and develop risk mitigation strategies to safeguard the bank’s portfolio.





- Monitor credit portfolios regularly and perform periodic reviews to manage and minimize credit risk exposure.

- Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes.

- Prepare detailed presentations and reports for senior management, customers, and advisors to support credit decisions and business development.

- Collect and organize relevant data to support marketing activities and transaction execution

Knowledge, Skills, Experience & Qualifications

- Having banking experience of minimum 3 years

- Having prior knowledge and experience in financial statement analysis and preparation of credit notes.

- Knowledge of corporate banking products

- Qualifications :CA/MBA/CFA

- Not Mandatory - However, CAIIB/JAIIB/IIBF/Omega will be added advantage

📌 AVP- Credit Analyst - Corporate Banking (New Delhi)
🏢 Sumitomo Mitsui Banking Corporation (SMBC)
📍 New Delhi