Credit Analyst - Corporate Credit

: Designation: Credit Analyst Location: Bangalore Experience: 2-6 years Role: - Perform comprehensive credit assessments, including financial analysis, business evaluation, and peer benchmarking with emphasis on corporate clients. - Prepare underwriting papers, credit notes, renewal proposals, and NTB requests by synthesizing borrower financials, sector data, and internal risk guidelines. - Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries. - Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms. - Monitor portfolio performance through covenant tracking, exposure review, early warning indicators, and adherence to approval conditions; escalate deviations when required. - Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution. Key Skills: - Required 2-6 years of experience in corporate credit memo-writing. - Advanced financial analysis, credit ratios, cash-flow evaluation, and lending structures. - Financial modelling, excel proficiency, data validation, credit policy interpretation, documentation governance, and controls. - Postgraduate degree or professional qualification preferred (CA / CFA / FRM). - Strong grounding in credit analysis, financial ratios, corporate finance, and banking products. - Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes. - Corporate banking experience is preferable. Required Qualification: - Post-Graduate Diploma in Financial Management, Master of Business Administration (M.B.A.), or CA (Chartered Accountant). Mandatory Skills: - Credit Assessments - Financial Analysis - Business evaluation - Data Verification - Credit Ratios - Cash-flow evaluation - CA / CFA / FRM