Credit Analyst

Live Connections Placements Pvt. Ltd.; Pune District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Live Connections Placements Pvt. Ltd. is seeking a Credit Analyst for its Mid Corporate Banking division in Pune/Mumbai.

The role involves evaluating creditworthiness of mid-sized corporate clients, performing financial analysis, and supporting relationship managers in crafting credit proposals aligned with risk appetite. The candidate should have 3–7 years of credit analysis experience, strong knowledge of corporate lending, and proficiency in Excel and financial modeling.

Qualifications

• 3–7 years of experience in credit analysis within banking/financial institutions
• Strong knowledge of corporate lending, credit risk assessment, and financial modeling
• Proficiency in MS Excel, financial ratios, and credit rating methodologies

Responsibilities

• Conduct detailed financial statement analysis of mid-corporate clients (P&L, balance sheet, cash flow)
• Assess credit risk, industry outlook, and borrower repayment capacity
• Prepare comprehensive credit appraisal notes and risk rating assessments
• Support relationship managers in structuring loan proposals, working capital facilities, and term loans
• Monitor portfolio performance, track early warning signals, and recommend risk mitigation measures
• Liaise with internal teams (risk, compliance, legal) to ensure adherence to credit policies
• Stay updated on industry trends, regulatory changes, and market developments impacting mid-corporates

Skills

Credit analysis

Financial modeling

Excel proficiency

Financial ratios

Credit rating methods

Analytical thinking

Communication skills

Presentation skills

Education

MBA Finance

CA

CFA

Tools

MS Excel

Job description

Job Description: Credit Analyst – Mid Corporate Banking

Location: [Pune/ Mumbai] Experience Required: 3–7 years Industry: Banking & Financial Services

Role Overview

We are seeking a skilled Credit Analyst to join our Mid Corporate Banking division. The role involves evaluating creditworthiness of mid-sized corporate clients, conducting financial analysis, and supporting relationship managers in structuring credit proposals aligned with the bank’s risk appetite.

Key Responsibilities

• Conduct detailed financial statement analysis of mid-corporate clients (P&L, balance sheet, cash flow).
• Assess credit risk, industry outlook, and borrower repayment capacity.
• Prepare comprehensive credit appraisal notes and risk rating assessments.
• Support relationship managers in structuring loan proposals, working capital facilities, and term loans.
• Monitor portfolio performance, track early warning signals, and recommend risk mitigation measures.
• Liaise with internal teams (risk, compliance, legal) to ensure adherence to credit policies.
• Stay updated on industry trends, regulatory changes, and market developments impacting mid-corporates.

Desired Candidate Profile

• 3–7 years of experience in credit analysis within banking/financial institutions.
• Strong knowledge of corporate lending, credit risk assessment, and financial modeling.
• Proficiency in MS Excel, financial ratios, and credit rating methodologies.
• Excellent analytical, communication, and presentation skills.
• Ability to work under pressure and deliver accurate credit assessments within timelines.

Educational Qualification

• MBA (Finance), CA, CFA, or equivalent professional qualification preferred.