Credit Analyst

Job Title: Credit Analyst – Financial Institutions Group (FIG)

Department: Corporate Banking / Risk Management

Location:

Reporting to:

Job Summary:

The Credit Analyst in the Financial Institutions Group (FIG) vertical is responsible for assessing the creditworthiness of banks, non-banking financial institutions (NBFIs), insurance companies, and other financial entities. The role involves preparing credit proposals, conducting in-depth financial and risk analysis, and supporting relationship managers in managing FIG client portfolios.

Key Responsibilities:

• Analyze financial statements, credit reports, and market data of FIG counterparties.
• Prepare detailed credit appraisal memos and risk assessments.
• Monitor exposure limits, credit ratings, and market developments affecting FIG clients.
• Support the onboarding and periodic review processes for FIG clients.
• Liaise with internal stakeholders (e.g., Risk, Compliance, Legal) to ensure adherence to regulatory and bank credit policies.
• Provide inputs for internal risk rating models and stress testing.
• Assist in preparing internal and regulatory reports as needed.

Qualifications & Skills:

• Bachelor’s or Master’s degree in Finance, Economics, or related field.
• 2–5 years of experience in credit analysis, preferably in FIG.
• Strong understanding of financial statements, regulatory frameworks (e.g., Basel III), and macroeconomic factors.
• Proficiency in Excel, financial modeling, and credit rating tools.
• Good communication and report-writing skills.
• Attention to detail and ability to work under tight deadlines.