Commercial Banking - Credit Officer

Role Overview: Are you seeking an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging environment This unique role as a Credit Officer in the Commercial Banking Risk India team offers you the chance to partner with the Business to provide a comprehensive view. Your primary responsibility will involve conducting credit analysis of corporate clients as part of the Underwriting Center team in the Commercial Banking division North America. By independently preparing credit risk analysis reports, recommending rating grades, and managing communication channels with Underwriters, you will play a crucial role in enhancing your knowledge of credit analysis and effectively managing stakeholders. Key Responsibilities: - Prepare credit risk analysis reports on assigned clients, focusing on business & financial analysis for middle market clients with exposure less than $5mm. Recommend rating grades based on the analysis. - Perform quality checks on the work delivery of junior analysts, understanding various techniques and methods of credit analysis, accounting treatments, and financial adjustments. - Develop and maintain open communication channels with Underwriters, independently handling all calls and rating discussions with Credit Executives. - Build a strong knowledge base of credit analysis for clients and manage stakeholders by establishing positive relationships with Underwriters and Credit Executives. Qualification Required: - Minimum 4 years of experience in credit risk with MBAs (Finance specialization) / CAs. - Excellent academic record with a focus on credit risk and strong interpersonal skills to build relationships with Underwriters and RMs. - Proficiency in corporate finance concepts, financial statements analysis, including ratio analysis, cash flow analysis, and accounting standards. - Aptitude to learn credit analysis techniques, sectors, and global economies, with strong oral and written communication skills to interact effectively with global credit bankers. - Detail-oriented with a deadline orientation, proficient in MS Word, Excel, and PowerPoint, and the ability to work both independently and in a team environment.,