Credit Analyst - Corporate and Structured Finance

Kotak Mahindra Bank Limited; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a Credit Analyst – SFG at M4-M5 level in Bengaluru. This role involves end-to-end credit appraisal, underwriting, and risk evaluation for corporate loans and structured finance, with emphasis on robust financial analysis and monitoring.

The candidate will perform due diligence, build cash flow models, conduct industry research, and present periodic reports to senior management, ensuring compliance with covenants and risk policies.

Qualifications

• End-to-end credit appraisal and risk policy alignment.
• Ability to build cash flow models and due diligence.
• Industry research, market mapping, and benchmarking.
• Strong communication and stakeholder management.

Responsibilities

• Prepare comprehensive credit appraisal notes for Corporate Loans and Structured Finance.
• Conduct financial, business and management due diligence; review cash flow models.
• Perform industry research, market mapping and benchmarking to support evaluation.
• Visit facilities to validate information and prepare monitoring reports for senior management.
• Monitor covenants and terms to drive corrective actions and ensure compliance.
• Present monthly portfolio monitoring to top management highlighting key exposures.
• Identify early warning signs and support strategies for account management.
• Collaborate with business teams to structure terms and mitigate risk.

Skills

Corporate credit

Financial analysis

Structured finance

Risk management

Financial modelling

Stakeholder management

Tools

Excel

Job description

Credit Analyst – SFG | M4-M5

Key Responsibilities

• End-to-end Credit Appraisal: Preparation of comprehensive credit appraisal notes for Corporate Loans and Structured Finance transactions, ensuring robust analysis and alignment with internal risk policies.
• Credit Underwriting & Due Diligence: Independently conduct detailed financial, Business and management due diligence; evaluate deal structures; develop and review cash flow models; and assess repayment capacity.
• Industry & Market Assessment: Perform in-depth industry research, market mapping and competitive benchmarking to support transaction evaluation and risk assessment.
• Field Visits & Monitoring: Conduct unit/factory visits to validate operational and financial information and prepare detailed inspection and monitoring reports for senior management.
• Risk Evaluation & Structuring: Collaborate with business teams to negotiate and finalize transaction terms and conditions, ensuring adequate mitigation of identified risks.
• Portfolio Monitoring: Prepare and present monthly monitoring reports to top management, highlighting key developments, compliance status, and critical exposures.
• Early Warning & Stress Identification: Identify early signs of stress across the portfolio, recommend strategies for account management, and support timely corrective actions.
• Compliance & Governance: Monitor adherence to covenants and terms & conditions and drive corrective measures to address deviations or non-compliances.

Key Competencies

• Strong understanding of corporate credit, financial analysis, structured finance concepts, and risk management principles
• Advanced analytical and financial modelling skills with the ability to interpret complex financial statements
• Excellent written and verbal communication skills, with strong presentation and stakeholder management capabilities
• Ability to independently assess deal structures and propose risk mitigated solutions
• High attention to detail, sound judgment, and a proactive approach to credit risk assessment