01/06 Darryl Pais
Managing Director at Corporate Search & Placements Pvt. Ltd.

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Credit Analyst - Corporate Banking - Bank - CA/IIM/ISB/MDI/FMS (3-5 yrs)

Delhi/Delhi NCR Job Code: 704597

We have been retained by our client, a well-established, professionally managed, foreign bank to identify a Credit Analyst - Corporate Banking. The position will be based at Delhi.

Job Purpose : 

- Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses.

- To underwrite credit request for new customers and review current credit limits for existing customers.

Key Responsibilities :

- Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

- Appraisal of the proposals from a lending perspective involving detailed analysis & projections of Income Statement, Balance Sheet, Financial Ratios, Cash Flows along with evaluation of Management Risk, Industry Risk and Economic conditions.

- Assisting with tracking of financial reporting requirements, covenant monitoring, maintaining credit files, spreading financial statements, preparing annual and quarterly reviews along with various credit approvals and screening memos.

- Financial modelling skills for appraisal of the viability of a project as well as financial restructuring.

- Updates on RBI reports and other relevant laws related to credit.

- Reporting of various MIS.

- To keep self and the team informed on the relevant regulatory, legal and compliance guidelines.

- Work in partnership with Relationship teams on new and existing relationships.

- Providing guidance on credit appetite and other pertinent information to relationship managers.

- Proactively contribute to embedding agreed change management initiatives within Relationship teams in support of process improvement and policy development.

Desired Skills/Competencies :

- Thorough understanding of credit function.

- Strong writing, Excel and presentation skills.

- Highly reliable, flexible and self-reliant personality with good intercultural skills.

- Team Player.

- Excellent analytical and reporting skills.

- Eye for details.

Candidate Profile :

- Candidates should be Chartered Accountants or MBAs from premier business schools with approximately 3 - 5 years of relevant experience in a bank.

Women-friendly workplace:

Maternity and Paternity Benefits

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