Job Description
Designation: Credit Analyst
Location: Bangalore
Experience-2to6years
Notice Period: Max 30days / Serving NP/Immediate Joiners
Role
- Perform comprehensive credit assessments, including financial analysis, business evaluation, and peer benchmarking with emphasis on corporate clients.
- Prepare underwriting papers, credit notes, renewal proposals, and NTB requests by synthesizing borrower financials, sector data, and internal risk guidelines.
- Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries.
- Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
- Monitor portfolio performance through covenant tracking, exposure review, earlywarning indicators, and adherence to approval conditions; escalate deviations when required.
- Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.
Key skills
- Required 2-6 Years of experience in corporate credit memo-writing
- Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures.
- Financial modelling, excel proficiency, data validation Credit policy interpretation, documentation governance, controls.
- Postgraduate degree or professional qualification preferred (CA / CFA/FRM).
- Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.
- Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.
- Corporate banking experience preferrable.
Required Qualification
Post-Graduate Diploma in Financial Management ,Master of Business Administration (M.B.A.) ,CA (Charted Accountant) ,
Mandatory Skills
Credit Assessments
Financial Analysis
business evaluation
Data Verification
Credit Ratios
Cash-flow evaluation
CA / CFA/FRM
