AVP-Credit Analyst 1

The Japan Research Institute, Limited (Singapore Branch); New Delhi; On-site; INR 600,000 - 900,000; Full time

Job summary

The Japan Research Institute, Limited (Singapore Branch) seeks a Credit Analyst to evaluate borrowers, analyze financial data, and ensure compliance with policies across pan-India operations. You will prepare credit packages, set limits, and monitor portfolios while collaborating with local teams and head office for approvals.

The role requires strong analytical skills, attention to regulatory detail, and the ability to present findings to senior management.

Responsibilities

• Prepare comprehensive credit applications and conduct credit analysis and grading for both new and existing customers across pan-India.
• Evaluate borrowers’ financial statements, credit history, and overall financial health to assess creditworthiness and repayment capacity.
• Ensure all credit applications adhere strictly to the bank’s credit policies, guidelines, and regulatory requirements.
• Collect, analyze, and interpret financial data to identify potential risks, providing actionable recommendations to mitigate credit risk.
• Establish suitable credit limits and develop risk mitigation strategies to safeguard the bank’s portfolio.
• Monitor credit portfolios regularly and perform periodic reviews to manage and minimize credit risk exposure.
• Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes.
• Prepare detailed presentations and reports for senior management, customers, and advisors to support credit decisions and business development.
• Collect and organize relevant data to support marketing activities and transaction execution.

Skills

Credit analysis

Financial statement analysis

Regulatory compliance

Financial data interpretation

Credit monitoring

Stakeholder liaison

Presentation & reporting

Data collection

Job description

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• Prepare comprehensive credit applications and conduct credit analysis and grading for both new and existing customers across pan-India.
• Evaluate borrowers’ financial statements, credit history, and overall financial health to assess creditworthiness and repayment capacity.
• Ensure all credit applications adhere strictly to the bank’s credit policies, guidelines, and regulatory requirements.
• Collect, analyze, and interpret financial data to identify potential risks, providing actionable recommendations to mitigate credit risk.
• Establish suitable credit limits and develop risk mitigation strategies to safeguard the bank’s portfolio.
• Monitor credit portfolios regularly and perform periodic reviews to manage and minimize credit risk exposure.
• Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes.
• Prepare detailed presentations and reports for senior management, customers, and advisors to support credit decisions and business development.
• Collect and organize relevant data to support marketing activities and transaction execution.