- Spreading and analyzing financials statements which would include a review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity.

- Evaluate the financial performance of companies/borrowers/guarantors based on a variety of factors including past and current performance, management projections, and market changes over the time period. Financial and credit analysis and writing of corporate credit files. Determining risk ratings in the rating tools. Issuing of risk opinion or risk conclusion on the credit requests

- Co-ordinate with Regional and HO risk analyst teams. Monitoring of the economic and financial evolution of clients. Monitoring of global set of credit limits on clients / groups. Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures

- Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business and Credit teams in line with the banks- risk appetite.

- Analyse Company's financial performance which include; Past financial and business performance & Benchmark these against peers performance. Undertake rigorous credit risk analysis encompassing industry / business research and financial analysis of various large corporates.

- Assign Ratings and prepare reports that cogently capture the rationale behind the rating.

- Make credit rating recommendation to the Rating Committee. Participation in the Local Credit Committees

- Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co-ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client;

- Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application.

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