Credit Analyst

Job Title : Credit Analyst

Experience : 5 – 14 Years

Notice Period :

Immediate to 60 Days (Immediate joiners preferred)

Job Description :

We are seeking a skilled

Credit Analyst

to join our Global Banking and Commercial Banking teams. The ideal candidate will be responsible for conducting detailed financial and risk analysis to support credit decisions and maintain portfolio health.

Key Responsibilities :

Conduct comprehensive

industry, competitor, ESG, and client-level financial analysis

for the Global Banking (GB) and Commercial Banking (CMB) Relationship Management teams.

Analyze

financial documentation and supplementary data

to support lending decisions and recommend appropriate credit structures.

Prepare detailed

credit analyses

for both new and existing business relationships.

Collaborate with Relationship Managers to assess

climate commitments, low-carbon initiatives, and transition risks

of clients.

Build and maintain strong working relationships with

Relationship Managers and Risk teams

to ensure effective risk mitigation.

Deliver high-quality work within

defined timelines and performance standards .

Ensure compliance with all

internal policies, regulatory requirements, and operational risk guidelines .

Contribute to

process improvement

initiatives and assist in the training or mentoring of new team members where applicable.

Requirements : Education :

CA / CFA / MBA (Finance, Economics, or equivalent) – essential.

Experience : 5 – 14 Years

Sustainability / ESG exposure

is an added advantage.

Strong

analytical, writing, and communication

skills in English.

Highly organized, detail-oriented, and a strong team player.

Important Pointers : Experience in

credit underwriting / appraisal

with strong report writing skills.

Expertise in

end-to-end credit report preparation

— industry & peer analysis, risk rating, documentation, collateral, etc.

Solid understanding of

financial analysis

— cash flow, leverage, working capital, enterprise value, etc.

Knowledge of

financial and non-financial covenants

and collateral management.

Proficiency in

financial projections and model forecasting .

Experience in covering

US-based clients

preferred.

Apply on Varalakshmi.Y@livecjobs.com

7995831110