Credit Analyst - Corporate Credit

Job Description:

Designation: Credit Analyst

Location: Bangalore

Experience: 2-6 years

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, early warning 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, and lending structures.

- Financial modelling, excel proficiency, data validation, credit policy interpretation, documentation governance, and 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 is preferable.

Required Qualification:

- Post-Graduate Diploma in Financial Management, Master of Business Administration (M.B.A.), or CA (Chartered Accountant).

Mandatory Skills:

- Credit Assessments

- Financial Analysis

- Business evaluation

- Data Verification

- Credit Ratios

- Cash-flow evaluation

- CA / CFA / FRM