Credit Analyst - Corporate Credit

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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