Analyst

3 days ago


Mumbai, India Crédit Agricole CIB Full time

Job description Business type Types of Jobs - Risk Management / Control Job title Analyst Contract type Permanent Contract Expected start date 01/01/2026 Management position No Job summary · Financial and credit analysis and writing of corporate credit files · Determining risk ratings in the rating tools · Issuing of risk opinion or risk conclusion on the credit requests · Participation in the Local Credit Committees · Co-ordinate with Regional and HO risk analyst teams · Monitoring of the economic and financial evolution of clients · Monitoring of global set of credit limits on clients / groups · Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures Main duties: · Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client; · Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application; · Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties; · Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country; · Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months; · Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations; · Monitoring of the global set of limits and exposure on groups / counterparties; · Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co-ordination with the regional / HO risk analyst teams; · Update and capture data in the electronic credit decision workflow systems; · Preparing information and data for annual portfolio reviews; Position location Geographical area Asia, India City MUMBAI Candidate criteria Minimal education level Postgraduate degree – MA/MSc/PhD/Doctorate or equivalent Academic qualification / Speciality Post Graduate/CA Level of minimal experience 6-10 years Experience •5-7 years’ experience in corporate risk analysis department of banks / rating agencies. Required skills · Ability to read and analyse financial statements / balance sheet understanding. Languages English



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