Credit Analyst - Business Banking

A Credit Analyst in Business Banking conducts financial analysis, prepares credit proposals, and monitors loan performance for clients, typically with turnovers up to INR 150 crore. 

Key responsibilities

• Conduct financial analysis of credit proposals for clients with working capital and term loan requirements.
• Prepare detailed credit proposal notes and present them to sanctioning committees for approval.
• Meet with prospective clients to evaluate their needs and understand their business and market.
• Structure loan proposals to meet both bank guidelines and client requirements.
• Monitor economic and industry developments and client financial parameters for potential risk triggers.
• Perform credit and background reference checks on new clients.
• Jointly monitor the loan portfolio with relationship teams, using early warning systems.
• Collaborate with internal teams like relationship managers and risk departments.