Credit Analyst - Financial Institutions - EMEA Coverage

Description:

Job Title: Credit Analyst Financial Institutions (EMEA Coverage)

Location: Bengaluru, India

Experience: 2-3 years (Analyst), 3-5 years (Senior Analyst)

Role Overview:

We are hiring a Credit Analyst to support the Financial Institutions (FI) portfolio across EMEA. The role involves fundamental credit assessment, transaction support, and ongoing risk monitoring for banks and non-bank financial institutions.

Key Responsibilities:

- Perform forward-looking credit analysis on FI counterparties including banks, NBFCs, insurers, and asset managers

- Prepare credit memos for limit approvals, renewals, and transaction assessments

- Assess risk-reward dynamics and highlight key risks and mitigants to stakeholders

- Partner with Front Office and product teams on live transactions (secured finance, FX, rates, credit products)

- Monitor portfolio risk and ensure timely compliance with internal policies and reporting standards

- Build sector and macroeconomic insights to support credit decisions

Mandatory Skills & Experience:

- 23 years (Analyst) / 35 years (Senior Analyst) of relevant experience

- Proven experience in Financial Institutions credit analysis (Banks mandatory)

- Strong expertise in financial statement analysis and ratio analysis for FIs

- Hands-on experience in credit memo writing (annual reviews, limit renewals, transaction notes)

- Exposure to transaction-based credit assessment and counterparty risk evaluation

- Ability to independently identify key risks and recommend mitigants

Preferred Skills:

- Exposure to NBFCs, Insurance companies, Asset Managers, or Financial Sponsors

- Experience covering EMEA region or global FI portfolios

- Understanding of loan documentation and credit protections

- Familiarity with ISDA/CSA frameworks and market risk concepts

Educational Qualifications:

- Bachelors degree in Finance, Economics, Accounting, or a related field (mandatory)

- Professional certifications such as CA / CFA (completed or pursuing) preferred

Candidate Profile:

- Strong analytical and problem-solving capabilities

- High attention to detail and ability to manage tight deadlines

- Effective stakeholder management and communication skills

- Self-driven, proactive, and able to manage multiple priorities