Role Purpose

To support credit underwriting for corporate customers by conducting financial analysis, preparing credit proposals, and ensuring compliance with internal and regulatory guidelines. The role involves working closely with Relationship Managers and Credit Risk teams to facilitate sound credit decisions. 

Key Responsibilities

• Analyze financial statements (P&L, Balance Sheet, Cash Flows) and conduct ratio analysis, benchmarking, and industry analysis. 

• Evaluate business models, management quality, market positioning, and repayment capacity. 

• Assess creditworthiness of prospective and existing corporate clients. 

• Prepare detailed credit appraisal memos for new and renewal proposals, incorporating qualitative and quantitative assessments. 

• Recommend appropriate credit structures, pricing, and risk mitigants. 

• Ensure completeness and accuracy of documentation for credit committee approvals. 

• Ensure adherence to internal credit policy and regulatory guidelines. 

• Coordinate with risk and compliance teams for approvals and reporting requirements. 

• Support audits and inspections by providing required data and clarifications. 

• Liaise with Relationship Managers, legal, operations, and other departments to facilitate credit processing. 

• Participate in client meetings for discussions around credit needs and financial performance. 

• MBA (Finance) / CFA level 1, 2  or equivalent qualification 

• 2–4 years in credit analysis or corporate banking 

• Experience in analyzing mid to large corporate clients 

• Strong financial and credit analysis skills 

• Sound understanding of corporate banking products and services 

• Knowledge of product guidelines, Basel norms, and banking regulations 

• Attention to detail and good report-writing skills 

• Analytical thinking and problem-solving 

• Strong communication and interpersonal skills