Credit Analyst-Corporate Coverage

Role Overview: As a Credit Analyst in the Corporate Coverage department of the Client Coverage function, you will be responsible for preparing credit appraisal notes and supporting Relationship Managers (RMs) and Senior RMs in meeting growth targets. Key Responsibilities: - Conduct credit appraisal of clients, specifically corporates/conglomerates with a turnover exceeding INR 250 Cr. - Analyze various factors such as income growth, market share, business risks, industry trends, and balance sheet analysis across different sectors. - Prepare comprehensive credit proposals by integrating financial analysis with sector-specific data to aid credit committee decisions. - Coordinate with Credit Risk and Compliance units to obtain internal approval for credit memos. - Attend Early Warning Signal meetings and address observations effectively. - Ensure portfolio hygiene and manage legal, compliance, and audit aspects of proposals. - Assist Senior RMs in client interactions, internal presentations, and MIS reports. - Visit clients to strengthen business relationships and conduct plant visits as required. - Collaborate with RMs/SRMs to devise business and account plans, identify target clients, and liaise with external rating analysts. - Review quarterly financial performance, stock statements, and audit reports to spot trends and discrepancies. - Actively participate in process improvement initiatives focusing on cost reduction and enhancing customer satisfaction. - Support RMs/SRMs in achieving growth targets by providing necessary aid and exploring cross-selling opportunities. Qualification Required: - Graduation in any field - Post Graduation in any discipline - Professional Qualification/Certification in any relevant area,