01Overview
Job RequirementsRole / Job Title: Credit Analyst - Corporate CoverageFunction/ Department: Wholesale BankingJob Purpose: As a Credit Analyst in the Corporate Coverage team within Wholesale Banking, you will be responsible for conducting credit appraisals of large corporates and conglomerates (with turnover 250 Cr). Based in Delhi, this role involves preparing credit proposals, analyzing financials and industry trends, and supporting Relationship Managers in client engagement and portfolio management. You will play a key role in maintaining portfolio hygiene and ensuring timely credit approvals.Job ResponsibilitiesConduct credit appraisals by analyzing financial statements, industry trends, business risks, and market positioning.Prepare comprehensive credit proposals combining financial analysis and sector insights to support credit committee decisions.Liaise with Credit Risk and Compliance teams to secure internal approvals.Participate in Early Warning Signal (EWS) meetings and ensure appropriate responses and portfolio hygiene.Support Senior Relationship Managers in client meetings, internal presentations, and MIS preparation.Address legal, compliance, and audit-related aspects of credit proposals.Visit clients to strengthen business relationships and gather insights.Assist RMs/SRMs in preparing business/account plans and identifying target clients.Conduct plant visits, interact with clients and rating agencies, and maintain call reports.Analyze quarterly financials, stock statements, and audit reports to identify trends and deviations.EducationGraduation: Any graduatePost-graduation: Post graduationExperience: Relevant experience in credit analysis, corporate banking, or financial services. .
