Credit Analyst-Corporate Coverage

Job Requirements
Role / Job Title: Credit Analyst - Corporate Coverage
Function/ Department: Wholesale Banking
Job 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 Responsibilities

• Conduct 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.

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• Analyze quarterly financials, stock statements, and audit reports to identify trends and deviations.
  

Education

• Graduation: Any graduate
• Post-graduation: Post graduation
  

Experience: Relevant experience in credit analysis, corporate banking, or financial services.