273 Hiring For Credit Analyst Wholesale Banking With Prominent Bank jobs in India

• 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.

• 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 .

• 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).

• 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.

• 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.

• 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.

• 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.

Key Accountabilities -

• Support portfolio maintenance activities including portfolio administration, monitoring of facility documentation and ensuring the integrity and accuracy of system data;
• Undertaking financial and credit risk analysis for the preparation of new credit submissions and annual reviews of existing transactions;
• Continuously seek to optimise the return on capital deployed and resources invested by the business
• Workflow management between Client Coverage, CME, Product Specialists, Credit and client support teams, including IB Services, to achieve a seamless client experience;
• Attend client meetings where appropriate to support business outcomes and conduct research to develop sector expertise and awareness of market trends; and
• Maintain an ongoing awareness of credit policy, credit and market risk and internal risk appetite.

Essential capabilities & Experience-

• 6-15 years of experience in banking including experience with credit and compliance processes;
• Strong understanding of risk management and financial analysis;
• Incumbent should possess advanced Excel skills
• Fully grasp the relevant macro risks and have a good level of knowledge on the regulatory environment
• Sound knowledge of the Bank’s systems, procedures, products and services
• Strong customer & compliance focus and attention to detail
• Writing of credit submissions, annual reviews and client core information papers clearly and succinctly;
• Responsible for behaving in accordance with our Code of Conduct and demonstrating the Enterprise Behaviours

• Drive portfolio level analytics to assess credit quality, risk concentrations, underwriting trends and alignment with risk frameworks.
• Enable thematic reviews and early risk identification by applying analytical techniques to structured and unstructured data.
• Design and oversee development of dashboards, visualizations, and automated tools to support review execution and reporting including executive level.
• Collaborate closely with credit reviewers, and cross functional stakeholders to frame analytic approaches, interpret results and co-develop narratives.
• Ensure analytics are well documented, repeatable and governed in line with internal standards and governance protocols.