WBCG: C&LC - Credit Analyst

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About Wholesale Banking Coverage Group:

The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oiland Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities.

About the Role:

The Credit Analyst is responsible for analysing the risk profile of the companies in the respective industries and ensure preparation of conclusive credit proposals and detection of potential risk triggers. The credit analysts also interact with the companies to keep an update on the developments in the sector and its impact on company.

Key Responsibilities

Analyse the financial and business risk profile of companies, assign Credit rating and prepare conclusive and focused credit proposals

Monitor and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers

Provide quality analysis compliant with RBI guidelines, legal and other internal compliances that leads to a sound decision making

Ensure NPA /restructuring levels for the group are minimized

Qualifications:

Optimal qualification for success on the job is:

CFA/ CA/ MBA (Finance) from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

In-depth knowledge of key drivers and indicators in the relevant sectors

A solid understanding of financial statements, ratios

Understanding of compliance and regulatory norms

Good relationship management and strong communication and presentation skill

Proficiency in MS Excel, Word and Power Point