Credit Analyst
Job Description
Credit Analyst – Corporate Banking
Location: Nariman Point, Mumbai
Experience: 2-4 Years
Department: Corporate Banking
Key criteria
Credit Analyst should have been handling Indian Corporates with turnover over 1500 crs plus , corporates with min credit rating of A and above, analyzed financials for working capital and term loans.
Key competence
- Prepare credit applications in the prescribed format along with spread sheet and other details required for submission.
- Monitor borrower's compliance with credit terms on ongoing basis; identify and advise early warning signals, conduct periodic valuation of collateral and monitoring timely repayments.
- Conduct regular credit checks for through CIBIL/CRILC/World Check/RBI Defaulters List/ ECGC Caution List.
- Conduct periodic review / monitoring of the Corporate Portfolio to maintain credit quality and advise initiating remedial action for the assets showing signs of weakness / delinquencies.
- Maintain appropriate records for ensuring completion of Annual Reviews in a timely manner Etc
Qualifications/Competencies
- Minimum 3-5 years of experience in Corporate Banking, Credit Risk, Credit Appraisal, or Corporate Credit Analysis.
- Bachelor's degree in Commerce, Finance, Economics, Banking, or related discipline.
- Strong credit appraisal and analytical skills.
- Strong report writing and credit proposal drafting capabilities.
More Info
Key Skills
About Company
Skills:
Asset products and associated technology platforms, Financial analysis, Knowledge of financial markets products, MIS tracking, Credit Analysis, Risk management
Skills:
Excel, Tally, Pivot Tables, CMA preparation, banking norms, Current Ratio, project finance analysis, ratio calculations, Ms Word, icr, credit appraisal processes, DSCR, TOL, Financial Formulas
Skills:
Credit Analysis, Financial software applications, Fixed Income Markets, Microsoft Office Suite, Financial Modelling, Sector Research, investment strategies
Skills:
Data Interpretation Analysis, AI Technology Implementation, Project Management, Credit Risk Management, Risk Management Compliance Documentation, AI Translation Prompt Engineering
Skills:
financial statement analysis, auditing, cash flow modelling, credit models, risk policies, Sops, visual dashboards, scorecards, internal guidelines, Underwriting