Credit Analyst

20 hours ago

Bengaluru, Karnataka, India Live Connections Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Job Title:
Credit Analyst

Experience:
5 – 14 Years

Notice Period:
Immediate to 60 Days (Immediate joiners preferred)

Job Description:

We are seeking a skilled
Credit Analyst
to join our Global Banking and Commercial Banking teams. The ideal candidate will be responsible for conducting detailed financial and risk analysis to support credit decisions and maintain portfolio health.

Key Responsibilities:

  • Conduct comprehensive
    industry, competitor, ESG, and client-level financial analysis
    for the Global Banking (GB) and Commercial Banking (CMB) Relationship Management teams.
  • Analyze
    financial documentation and supplementary data
    to support lending decisions and recommend appropriate credit structures.
  • Prepare detailed
    credit analyses
    for both new and existing business relationships.
  • Collaborate with Relationship Managers to assess
    climate commitments, low-carbon initiatives, and transition risks
    of clients.
  • Build and maintain strong working relationships with
    Relationship Managers and Risk teams
    to ensure effective risk mitigation.
  • Deliver high-quality work within
    defined timelines and performance standards
    .
  • Ensure compliance with all
    internal policies, regulatory requirements, and operational risk guidelines
    .
  • Contribute to
    process improvement
    initiatives and assist in the training or mentoring of new team members where applicable.

Requirements:

  • Education:
    CA / CFA / MBA (Finance, Economics, or equivalent) – essential.
  • Experience:
    5 to 14 years in Credit Analysis, Credit Appraisal, or Financial Risk roles.
  • Sustainability / ESG exposure
    is an added advantage.
  • Strong
    analytical, writing, and communication
    skills in English.
  • Highly organized, detail-oriented, and a strong team player.

Important Pointers:

  1. Experience in
    credit underwriting / appraisal
    with strong report writing skills.
  2. Expertise in
    end-to-end credit report preparation
    — industry & peer analysis, risk rating, documentation, collateral, etc.
  3. Solid understanding of
    financial analysis
    — cash flow, leverage, working capital, enterprise value, etc.
  4. Knowledge of
    financial and non-financial covenants
    and collateral management.
  5. Proficiency in
    financial projections and model forecasting
    .
  6. Experience in covering
    US-based clients
    preferred.

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