88 Corporate Credit jobs in India
Manager - Corporate Credit Analyst [T500-20103]
Posted 6 days ago
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About Us:
Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world’s leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with over 2,100 locations in more than 50 markets. The Group has over 160,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing.
The Group aims to “be the world’s most trusted financial group” through close collaboration among our operating companies and flexibly respond to all of the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG’s shares trade on the Tokyo, Nagoya, and New York stock exchanges.
MUFG Global Service Private Limited:
Established in 2020, MUFG Global Service India Limited (MGS India) is 100% subsidiary of MUFG Bank Ltd having offices in Bengaluru and Mumbai. MGS India has been set up as a Global Capability Centre / Centre of Excellence to provide support services across various functions such as IT, KYC/ AML, Credit, Operations etc. to MUFG Bank offices globally. MGS India has plans to significantly ramp-up its growth over the next 18-24 months while servicing MUFG’s global network across Americas, EMEA and Asia Pacific
About the Role:
Position Title: Corporate Credit Analyst
Corporate Title: Manager
Location: Mumbai
Job Profile:
Purpose of Role:
- MGS India, through its Credit Analysis Team, manages the credit analysis function for its corporate clients globally. We are looking for an ambitious credit analyst to cover a varied portfolio across the EMEA region.
- The Credit Analysis team is the Bank’s first line of defense and works closely with GCIB bankers, Product partners and Credit approvers to promote an optimal risk / return on the banks’ lending opportunities.
- The credit analyst will perform forward looking fundamental credit analysis on the borrowers, annual reviews and limit renewals, support on ad-hoc requests and periodic reviews when necessary.
Main Responsibilities:
- Manage a portfolio of EMEA Corporate clients and undertake objective detailed due diligence of borrowers / industry.
- Managing end to end annual renewal of limits and borrower ratings as per the Banks credit processes and procedures collaborating with other stakeholders (Relationship Managers, Product teams and Credit Officers / Approvers).
- Covenant checks and periodic monitoring reports.
- Preparation of periodic sector reports and event-based stress tests of the portfolio as necessary.
- Support Relationship Managers / Senior Credit Analysts in the department on ad-hoc requests related to new transactions or other portfolio reviews.
- Audit management – Internal, External including regulatory inspections
- Ability to multi-task and manage ever-changing and often conflicting priorities; Ability to work with a high level of motivation and initiative; Work diligently to develop technical skills and industry knowledge related to the role.
- Ensure accurate and timely compliance with internal policies and reporting procedures.
Candidate Profile:
- Extensive experience in fundamental corporate analysis gained in either a bank (or their a Global Capability Centre), asset manager or rating agency environment.
- There should be an emphasis on credit analysis in the context of a transaction or event, or a strong motivation to move into a more transaction driven environment.
- Minimum experience of 7-8 years after Post Graduation (CA / CFA / MBA Finance or their equivalents)
Functional / Technical Competencies:
- Experience of covering EMEA Large Corporates.
- A good understanding of loan documentation and key credit protections.
- Understanding of market risk and ISDA documents would be preferred/ beneficial.
- Familiarity with Bloomberg / CapIQ and similar systems.
Credit Risk Analyst
Posted today
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Job Description
Key Responsibilities:
- Analyze financial statements, credit reports, and other relevant data to assess the credit risk of individual and corporate borrowers.
- Develop, implement, and maintain credit scoring models and risk assessment frameworks.
- Prepare comprehensive credit reports and recommendations for loan applications, outlining potential risks and mitigation strategies.
- Monitor the credit quality of the existing loan portfolio, identifying potential problem loans and implementing proactive measures.
- Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
- Collaborate with loan officers and other stakeholders to gather necessary information and provide expert advice on credit decisions.
- Conduct regular reviews of loan covenants and financial performance of borrowers.
- Assist in the development and refinement of credit policies and procedures.
- Stay informed about economic conditions, industry trends, and regulatory changes that may impact credit risk.
- Contribute to stress testing and scenario analysis for the credit portfolio.
The ideal candidate will hold a Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field. A Master's degree or professional certification (e.g., FRM, PRM) is a plus. Minimum of 3 years of experience in credit analysis, risk management, or a related financial role within the banking or lending sector is required. Strong analytical and quantitative skills, with proficiency in statistical analysis and financial modeling, are essential. Excellent knowledge of financial statements analysis and credit assessment techniques. Proficiency in using financial databases and software (e.g., Excel, SQL, or specialized credit risk software) is necessary. Strong written and verbal communication skills, with the ability to present complex information clearly and concisely. Meticulous attention to detail and the ability to work effectively under pressure are crucial.
Credit Risk Analyst
Posted 5 days ago
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Job Description
Key responsibilities include:
- Conducting comprehensive credit analysis of corporate and retail clients, including financial statement analysis, ratio analysis, and cash flow projections.
- Evaluating loan applications, credit proposals, and risk assessments.
- Monitoring the credit performance of existing portfolios and identifying potential risks.
- Developing and implementing credit scoring models and risk assessment tools.
- Preparing credit reports and recommendations for senior management and credit committees.
- Ensuring compliance with internal credit policies and regulatory guidelines.
- Staying informed about industry trends, economic conditions, and regulatory changes that may impact credit risk.
- Working closely with relationship managers and other departments to understand client needs and manage risks.
- Performing stress testing and scenario analysis on the credit portfolio.
- Contributing to the continuous improvement of credit risk management processes.
Credit Risk Analyst
Posted 6 days ago
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Job Description
Responsibilities:
- Analyze financial statements, credit reports, and other financial data to assess the credit risk of individuals and businesses.
- Develop and apply credit scoring models and risk assessment methodologies.
- Monitor the credit portfolio for potential risks and take proactive measures to mitigate them.
- Prepare comprehensive credit reports and recommendations for loan approvals or rejections.
- Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
- Conduct ongoing monitoring of existing credit facilities and identify early warning signs of default.
- Communicate credit decisions and risk assessments to loan officers and management.
- Stay informed about economic conditions and industry trends that may impact credit risk.
- Assist in the development and refinement of credit policies and procedures.
- Perform stress testing and scenario analysis on the credit portfolio.
- Collaborate with other departments, such as sales and legal, to manage credit risk effectively.
- Maintain accurate and organized records of credit analyses and decisions.
- Identify opportunities for process improvements in credit risk management.
- Prepare reports on portfolio quality and risk exposures for senior management.
- Train junior analysts on credit assessment techniques and risk evaluation.
- Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field.
- Proven experience in credit analysis, risk management, or a similar role within the banking or financial services sector.
- Strong understanding of financial statements, accounting principles, and credit analysis techniques.
- Proficiency in statistical analysis and modeling.
- Experience with credit risk software and databases.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong communication and interpersonal skills, with the ability to present complex information clearly.
- Detail-oriented with a high degree of accuracy.
- Ability to work independently and collaboratively in a hybrid work environment.
- Knowledge of the financial regulations relevant to Indore, Madhya Pradesh, IN .
Credit Risk Analyst
Posted 12 days ago
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Job Description
Responsibilities:
- Analyze financial statements, credit reports, and other financial data to assess the creditworthiness of individuals and businesses.
- Develop and maintain credit scoring models and risk assessment frameworks.
- Monitor the credit performance of existing loan portfolios and identify potential risks.
- Make recommendations on loan applications, including approval, denial, or modification of terms.
- Prepare comprehensive credit reports and present findings to senior management and lending committees.
- Stay updated on industry trends, economic conditions, and regulatory requirements affecting credit risk.
- Collaborate with loan officers and other departments to ensure effective risk management practices.
- Conduct portfolio stress testing and scenario analysis.
- Assist in the development and implementation of credit policies and procedures.
- Ensure compliance with all relevant banking regulations and internal controls.
- Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
- Minimum of 3 years of experience in credit analysis, risk management, or a similar role within the financial services industry.
- Strong understanding of financial statement analysis and accounting principles.
- Proficiency in data analysis tools and techniques; experience with SQL and/or statistical software (e.g., R, Python) is highly desirable.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong written and verbal communication skills.
- Ability to work effectively both independently and as part of a team.
- Familiarity with credit risk modeling and regulatory frameworks (e.g., Basel norms).
Credit Risk Analyst
Posted 18 days ago
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Job Description
- Assess the credit risk of new and existing clients using various financial data and tools.
- Develop, implement, and refine credit risk models and methodologies.
- Monitor the performance of the credit portfolio and identify emerging risks.
- Prepare credit reports and recommendations for loan approvals or rejections.
- Ensure compliance with internal credit policies and external regulations.
- Analyze macroeconomic factors and industry trends affecting credit risk.
- Collaborate with loan officers and other departments to manage credit exposure.
- Contribute to the development and enhancement of risk management systems.
- Conduct stress testing and scenario analysis on the credit portfolio.
- Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
- Minimum of 3 years of experience in credit risk analysis, financial analysis, or a related role within the banking or financial services industry.
- Strong understanding of credit risk principles, financial statement analysis, and statistical modeling.
- Proficiency in data analysis tools such as SQL, Python, R, or similar.
- Experience with credit scoring models and risk assessment techniques.
- Excellent analytical, problem-solving, and quantitative skills.
- Ability to work independently and manage time effectively in a remote environment.
- Strong written and verbal communication skills.
Credit Risk Analyst
Posted 19 days ago
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Job Description
Key Responsibilities:
- Analyze financial statements, cash flow projections, and other relevant data to assess the credit risk of individual borrowers (corporate and retail).
- Develop and maintain credit risk models to evaluate borrower default probabilities and potential losses.
- Prepare comprehensive credit reports and recommendations for loan origination, renewals, and modifications.
- Monitor the credit performance of existing loan portfolios, identifying early warning signs of potential distress.
- Ensure compliance with internal credit policies and external regulatory guidelines.
- Collaborate with relationship managers to understand client needs and assess associated risks.
- Stay updated on industry best practices and evolving credit risk management techniques.
- Contribute to the development and refinement of credit scoring systems and risk assessment frameworks.
- Conduct market research and industry analysis to inform credit decisions.
- Assist in stress testing and scenario analysis for the credit portfolio.
Qualifications:
- Bachelor's degree in Finance, Economics, Accounting, Statistics, or a related quantitative field.
- 2-4 years of experience in credit analysis, risk management, or a similar role within the banking or financial services industry.
- Strong understanding of financial statement analysis, ratio analysis, and cash flow modeling.
- Familiarity with credit scoring models and regulatory frameworks (e.g., Basel Accords).
- Proficiency in MS Excel and financial analysis software.
- Excellent analytical, problem-solving, and critical thinking skills.
- Strong written and verbal communication skills, with the ability to articulate complex risk assessments clearly.
- High degree of accuracy and attention to detail.
- Ability to manage multiple tasks and meet deadlines in a dynamic environment.
This on-site position offers a competitive salary and benefits, along with excellent opportunities for career growth in the financial sector.
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Credit Risk Analyst
Posted 23 days ago
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Job Description
Key Responsibilities:
- Analyze financial data and credit histories to assess borrower risk.
- Develop and implement credit scoring models and risk assessment tools.
- Monitor the performance of the loan portfolio and identify potential risks.
- Prepare credit reports and present findings to management and credit committees.
- Ensure compliance with regulatory requirements and internal credit policies.
- Conduct stress testing and scenario analysis on credit portfolios.
- Collaborate with relationship managers to structure appropriate credit facilities.
- Stay updated on industry trends and best practices in credit risk management.
- Identify and recommend strategies to mitigate credit risk.
- Contribute to the development and refinement of risk management frameworks.
Credit Risk Analyst
Posted 551 days ago
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Credit Risk Analyst - Officer
Posted 2 days ago
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Job Description
**Responsibilities:**
+ Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
+ Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
+ Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
+ Assist with portfolio review preparation and conducting stress tests
+ Build working relationships with various teams across the bank, including deal, coverage and product teams
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ 2-4 years of experience in credit risk analysis or corporate banking
+ Experience in financial analysis, accounting and valuation
+ Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
+ Consistently demonstrate clear and concise written and verbal communication
+ Proven ability to work with little direction and in a team
+ Demonstrated accountability, self-motivation and business acumen
**Education:**
+ Bachelor's degree/University degree or equivalent experience
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
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**Time Type:**
Full time
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