Credit Analyst

Job Description: Credit Analyst – Mid Corporate Banking

Location: [Pune/ Mumbai] Experience Required: 3–7 years Industry: Banking & Financial Services

Role Overview

We are seeking a skilled Credit Analyst to join our Mid Corporate Banking division. The role involves evaluating creditworthiness of mid-sized corporate clients, conducting financial analysis, and supporting relationship managers in structuring credit proposals aligned with the bank's risk appetite.

Key Responsibilities

• Conduct detailed financial statement analysis of mid-corporate clients (P&L, balance sheet, cash flow).
• Assess credit risk, industry outlook, and borrower repayment capacity.
• Prepare comprehensive credit appraisal notes and risk rating assessments.
• Support relationship managers in structuring loan proposals, working capital facilities, and term loans.
• Monitor portfolio performance, track early warning signals, and recommend risk mitigation measures.
• Liaise with internal teams (risk, compliance, legal) to ensure adherence to credit policies.
• Stay updated on industry trends, regulatory changes, and market developments impacting mid-corporates.

Desired Candidate Profile

• 3–7 years of experience in credit analysis within banking/financial institutions.
• Strong knowledge of corporate lending, credit risk assessment, and financial modeling.
• Proficiency in MS Excel, financial ratios, and credit rating methodologies.
• Excellent analytical, communication, and presentation skills.
• Ability to work under pressure and deliver accurate credit assessments within timelines.

Educational Qualification

• MBA (Finance), CA, CFA, or equivalent professional qualification preferred.