Credit Analyst - Mid Corporates @ YES Bank, Kolkata

Role: Credit Analyst

BU: Credit Risk Management

SBU: Mid Corporates

Ticket Size: Up to 200-500 Crores (Average 50-60 Crores)

Location: Dalhousie, Kolkata

Roles & Responsibilities:

• Carry out due diligence for corporate customers 
• In-depth financial analysis, business model review, management risk analysis
• Working on cashflow based excel models 
• Analyzing cashflows and WC/debt servicing analysis
• Review of annual reports, borrower/promoter background
• Review of Credit notes prepared by Business Unit capturing details of customer profile, financial projections and analysis, assessment, term sheet.
• Interaction with various stakeholders (internal and external) for review of such customers
• Carry out internal rating of customers and assign/review rating
• Monitoring of performance of customers on an ongoing basis
• Review Early warning triggers 
• Carry out site visit to review work progress
• Prepare recommendation notes and recommend proposals to top management
• Maintain/monitor Credit Hygiene