Credit Analyst

Job Title:

Experience:

Notice Period:

Credit Analyst

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 to 14 years in Credit Analysis, Credit Appraisal, or Financial Risk roles.

• 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:

1. Experience in

   credit underwriting / appraisal

   with strong report writing skills.
2. Expertise in

   end-to-end credit report preparation

   — industry & peer analysis, risk rating, documentation, collateral, etc.
3. Solid understanding of

   financial analysis

   — cash flow, leverage, working capital, enterprise value, etc.
4. Knowledge of

   financial and non-financial covenants

   and collateral management.
5. Proficiency in

   financial projections and model forecasting

   .
6. Experience in covering

   US-based clients

   preferred.

Apply on Varalakshmi.Y@livecjobs.com

7995831110