Credit Analyst-BFIG

A Credit Analyst in the Banking and Financial Institution Group (BFIG) sector is responsible for evaluating the creditworthiness of banks, NBFCs, and other financial institutions, ensuring compliance with regulatory frameworks like RBI norms and Basel III, and supporting lending decisions through rigorous financial analysis. This role combines technical expertise in financial statement analysis with risk management and industry intelligence.

 

📌 Key Responsibilities

• Creditworthiness assessment : Analyze financial statements (balance sheet, P&L, cash flow) of banks, NBFCs, and financial institutions.
• Financial ratio analysis : Calculate DSCR, interest coverage, leverage ratios, and liquidity indicators.
• Credit appraisal memos : Prepare detailed CAMs including industry outlook, management evaluation, and sensitivity analysis.
• Internal credit ratings : Assign ratings using RBI-aligned or Basel III-compliant models.
• Portfolio monitoring : Track performance of financial institution exposures, detect early warning signals, and recommend corrective actions.
• Regulatory compliance : Ensure adherence to RBI Prudential Norms and Basel III capital adequacy requirements.
• Market intelligence : Conduct desk research, monitor industry reports, and maintain networks with regulators and rating agencies.
• Credit committee presentations : Present findings and recommendations to senior management for approval.