Associate - Credit Analysis

Australia and New Zealand Banking Group Limited; Bengaluru; Hybrid; INR 1,400,000 - 2,000,000; Full time

Job summary

Australia and New Zealand Banking Group Limited (ANZ) in Bengaluru seeks an Associate in Credit Analysis to manage a corporate portfolio with end-to-end credit evaluation and monitoring.

You will perform detailed financial, industry, and risk assessments, prepare credit submissions, and collaborate with Relationship Managers to ensure quality, compliant credit decisions in a dynamic, regional team.

Qualifications

• 6-7 years’ work experience in credit analysis or research field.
• Credit analysis skills (strong fundamentals).
• Experience preparing credit papers and risk assessments for corporate clients.

Responsibilities

• Perform detailed financial, business, and industry analysis for corporate clients.
• Prepare high-quality credit submissions, annual reviews, and credit recommendations.
• Assess risks related to clients' capital structures, management teams, and financial performance.
• Conduct industry and sector research to support credit decision-making and portfolio monitoring.
• Coordinate with Relationship Managers and Credit teams on client performance and risk matters.

Job description

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Associate - Credit Analysis

Division: Institutional

About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers.

About the Role

This role is within the Corporate Research & Analysis (‘R&A’) team covering clients based out of Americas. The Corporate R&A team is a dynamic team with exposure to large sized corporate clients across a range of sectors, with end-to-end management of their portfolio.

The R&A role is primarily responsible for managing the assigned portfolio with the ongoing, real-time business and financial analysis of the customer portfolio via preparation of Industry Sector Reviews and Credit Memoranda to capture customer opportunities within acceptable risk parameters and facilitate informed credit decisioning. End-to-end relationship credit management process includes Credit Writing, Risk Grading, Risk Analysis & Credit Approval, Documentation and Portfolio Monitoring (well managed).

What will your day look like?

• Perform detailed financial, business, and industry analysis for corporate clients.
• Prepare high-quality credit submissions, annual reviews, and credit recommendations.
• Assess risks associated with clients' capital structures, management teams, and financial performance.
• Conduct industry and sector research to support credit decision-making.Manage risk grading events and ongoing portfolio monitoring activities.
• Partner with Relationship Managers and Credit teams on client performance and risk-related matters.
• Support transaction execution through review and coordination of deal documentation.
• Ensure portfolio quality remains aligned with ANZ's well-managed principles, regulatory requirements, and internal policies.
• Assist in coaching and sharing knowledge with junior analysts within the team.
• Contribute to team initiatives, capacity management, and continuous process improvement

What will you bring?

To grow and be successful in this role, you will ideally bring the following:

• 6-7 years’ work experience in the field of credit analysis or research field
• Credit Analysis skills (strong fundamentals)
• Experience preparing credit papers, annual reviews, and risk assessments for corporate clients.
• Strong business and commercial acumen with the ability to identify and assess risks.
• Excellent report-writing and analytical skills.
• Chartered Accountant (CA), MBA Finance from a reputed institution, Master's in Economics, or an equivalent qualification.
• Strong communication and stakeholder management skills.
• Ability to apply sound judgment, think critically, and manage competing priorities.
• A collaborative mindset with the willingness to support team members during peak periods.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong.

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/ . You can apply for this role by visiting ANZ Careers and searching for reference number 125892

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