As a Credit Analyst within our Corporate and Commercial Lending division, you will be responsible for conducting in-depth credit risk assessments and appraisals of potential borrowers.

You will work closely with relationship managers, Credit Committee , and other stakeholders to ensure the quality and profitability of our lending portfolio. Your analysis and recommendations will directly impact the company's risk profile and contribute to informed lending decisions.

Key Responsibilities:

- Relevant experience within a financial institution (analysing corporate client's risk, insights and credit)

- Relevant Knowledge and understanding of FIG, Corporates, Middle Market Financing Products Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structure.

- Sound knowledge of financials, cash flow, leverage & liquidity analysis, credit quality, assigned value risk analysis.

- Knowledge of internal rating rationale, projections and credit recommendations

- Ability to forecast and prepare Base Case Financial Projections, Potential Downside financial case projections models adjusting recessionary trends, counterparty specific risks and adjustments

- Risk Modelling - Base Case Scenario, Recessionary Case Scenario, Risk Models and Projections for income, cash flow for risk rating and judging repayment capacity and risks.

- Ability to weigh macro and company factors for risk analysis and recommendations

- Strong knowledge on Global accounting standards - IFRS, US GAAP Accounting and classification/ International Financial Reporting Standards (10-K, 10-Q, SEC / SEDAR / FRC Filings, Press Release and Investor Presentation etc.)

- Ability to understand private and public limited corporation structure, reporting and classification of financial segments and key credit assessment ratios / parameters

- Sound knowledge of parent and subsidiary exposure, debt structure, operating model and ownership structures Strong Knowledge of MS Office Spreadsheet and formulas Strong

- Ability to handle seasonal peaks and dynamic changes in workflow

- Knowledge of any one Financial Spreading tools : Moody's Risk Analyst, FIS Optimist, Credit lens or allied spreading tools

Required Skillset:

- Demonstrated ability to conduct in-depth financial statement analysis, including ratio analysis, cash flow modelling, and sensitivity analysis.

- Proven expertise in credit risk assessment, credit rating methodologies, and credit report writing.

- Strong understanding of corporate lending products, credit appraisal processes, and risk management principles.

- Excellent communication, presentation, and interpersonal skills, with the ability to effectively convey complex information to diverse audiences.

- Ability to work independently and collaboratively in a fast-paced environment, managing multiple priorities and meeting deadlines.

- CA / MBA(Finance)

- 8-18 years of relevant experience in credit analysis, corporate lending, or risk management within a bank or financial institution.