Role Overview:

We are seeking a seasoned Credit Officer to join our Corporate Banking division in Delhi NCR. In this high-impact role, you will serve as a critical gatekeeper for the banks asset quality, leading the end-to-end credit appraisal process for complex corporate portfolios. You will work closely with relationship managers, treasury teams, and senior risk committees to evaluate creditworthiness, structure bespoke financing solutions, and ensure that all lending activities align with our internal risk appetite. By balancing aggressive business growth with prudent risk management, you will directly influence the banks profitability and long-term portfolio health, ensuring we maintain a robust and sustainable balance sheet.

Key Responsibilities:

- Lead the comprehensive credit appraisal process for large corporate clients to ensure all lending decisions are backed by rigorous financial analysis and market intelligence.

- Evaluate complex credit proposals, including working capital facilities, term loans, and structured finance products, to mitigate potential default risks.

- Collaborate with cross-functional teams to structure credit facilities that meet client requirements while adhering to stringent internal credit policies and regulatory guidelines.

- Monitor the performance of the existing corporate portfolio by conducting periodic reviews and identifying early warning signals to proactively manage credit risk.

- Present detailed credit notes and risk assessments to the Credit Committee, providing clear recommendations that facilitate informed decision-making.

- Mentor junior credit analysts and team members to foster a culture of analytical excellence and high-quality underwriting standards across the department.

Required Skillset:

- Demonstrate advanced proficiency in financial statement analysis, cash flow modeling, and industry-specific risk assessment to evaluate the viability of large-scale corporate ventures.

- Exhibit a deep understanding of credit policy frameworks and regulatory requirements, ensuring all documentation and processes remain compliant with banking standards.

- Possess exceptional communication and negotiation skills, enabling you to articulate complex risk perspectives to senior stakeholders and provide constructive feedback to relationship teams.

- Maintain a sharp analytical mindset to identify nuances in corporate balance sheets and market trends that could impact credit quality.

- Hold a professional qualification such as a CA, MBA (Finance), or CFA, which provides the theoretical foundation for high-level financial decision-making.

- Thrive in a fast-paced, on-site banking environment in Delhi NCR, demonstrating the ability to manage multiple high-value files simultaneously under tight deadlines.