Hiring Credit Analyst For Bangalore

Position: Senior Credit Analyst / Credit Risk Analyst

Experience: 8+ Years

Location: Bengaluru, Karnataka

Employment Type: Full-time

Job Description

Talent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.

Key Responsibilities

Conduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.

Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.

Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.

Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.

Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.

Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.

Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.

Recommend appropriate credit limits, lending structures, covenants and risk mitigants.

Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.

Review waivers, amendments, renewals and restructuring proposals where required.

Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.

Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.

Present credit recommendations and risk findings to senior stakeholders/credit committees.

Mentor junior credit analysts and review the quality of their credit deliverables.

Identify opportunities for process improvement, automation and enhanced credit-risk reporting.

Candidate Profile

8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.

Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.

CA / MBA Finance / CFA / FRM preferred.

Strong experience in corporate/non-retail credit analysis and underwriting.

Excellent understanding of financial statements, accounting principles and credit-risk methodologies.

Proven experience preparing credit appraisal notes and making independent credit recommendations.

Strong stakeholder-management and team-mentoring capabilities.

Ability to independently handle complex credit cases and work under strict timelines.

• Experience

  8 - 11 Years

• No. of Openings

  3

• Education

  Graduate

• Role

  Credit Analyst

• Industry Type

  Financial Sector

• Gender

  [ Male / Female ]

• Job Country

  India

• Type of Job

  Full Time

• Work Location Type

  Work from Office