About the role

Credit Analyst - Structure Finance Group (SFG)

Job Summary:

The Credit Analyst in Wholesale Banking plays a crucial role in assessing and managing credit risk for clients with credit exposure exceeding 100 crores. This position directly impacts the organization’s profitability and client relationships by ensuring credit quality and driving informed lending decisions.

Key Responsibilities:

Evaluate credit applications and conduct comprehensive financial statement analysis to determine creditworthiness.
Monitor and manage existing client portfolios, ensuring proactive identification of risks and opportunities for credit enhancement.
Prepare detailed credit proposals and present findings to senior management for approval.
Collaborate with relationship managers to understand client needs and provide analytical support in structuring deals.
Conduct industry research and market analysis to stay informed about economic trends and competitive landscape.
Ensure compliance with internal credit policies and regulatory requirements to mitigate risks.
Assist in the development of credit scoring models and tools to improve the efficiency of credit decision-making.

Requirements:

Minimum of 3-6 years of experience in credit analysis within wholesale banking or similar financial services environment.
Strong analytical skills with proficiency in financial modeling and risk assessment techniques.
Excellent communication skills, with the ability to present complex financial information clearly and effectively.
Proficiency in credit analysis software and Microsoft Office Suite, particularly Excel.
In-depth knowledge of lending practices, credit policies, and regulatory frameworks.
Strong attention to detail and ability to manage multiple tasks in a fast-paced environment.

Preferred Qualifications:

CA/ Master’s degree
Professional certifications such as CFA, CBA, or FRM will be a significant advantage.
Experience in managing high-value client relationships and understanding complex organizational structures.
Familiarity with industry-specific credit risk models and frameworks.
Proven track record of successfully navigating challenging credit situations and improving loan performance.