Role Purpose

To assist in credit appraisal, documentation, and monitoring of corporate banking clients by conducting financial analysis, preparing credit reports, and ensuring compliance with internal and regulatory guidelines. The role supports the credit analysis team to facilitate efficient credit processing. 

1. Credit Analysis Support 

• Assist in analyzing financial statements of corporate clients (P&L, Balance Sheet, Cash Flow). 

• Conduct basic ratio analysis, working capital analysis, and sector benchmarking. 

• Support the preparation of internal credit appraisal notes. 

2. Documentation & Data Handling 

• Maintain and update financial data, client information, and credit files. 

• Ensure documentation completeness for loan proposals, renewals, and disbursements. 

• Coordinate with clients and internal teams to gather necessary documents. 

3. Credit Proposal Drafting 

• Draft preliminary credit proposals based on templates and formats. 

• Highlight key financial and business risks under guidance from seniors. 

• Upload proposals into the loan origination system (LOS) and track approval status. 

4. Portfolio Monitoring 

• Assist in monitoring performance of existing clients through regular reviews. 

• Track covenant compliance, renewal schedules, and alert teams on due reviews. 

• Follow up on submission of financials, stock statements, and other requirements. 

5. Compliance & Reporting 

• Ensure compliance with internal credit policies. 

• Coordinate with Relationship Manager, Risk, Legal, and Compliance departments as needed. 

• B.Com/ BBA/ MBA (Finance)/ or similar 

• 2 years of experience in banking, credit analysis, or financial services 

• Familiarity with banking products and basic regulatory knowledge 

• Basic understanding of financial statements and credit risk 

• Strong MS Excel and report-writing skills 

• Attention to detail and data accuracy 

• Willingness to learn and adapt in a team environment 

• Good communication and interpersonal skills