Credit Analyst – Corporate Credit DIgitalcubez

The Corporate Institute; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

The Corporate Institute in Bengaluru seeks a Credit Analyst to perform comprehensive credit assessments for corporate clients. You will prepare underwriting papers and renewal proposals, support spreading, data validation and documentation checks, and coordinate with Legal and Operations to ensure compliant facilities and security terms.

You will monitor covenant tracking, exposure reviews and early warning indicators, and maintain clear communication with risk, business and support teams for

Qualifications

• 2–6 years of experience in corporate credit memo-writing.
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• Postgraduate degree or professional qualification preferred (CA / CFA / FRM).
• Strong grounding in credit analysis, financial ratios, corporate finance and banking products.
• Knowledge of credit controls, documentation standards, governance and audit-focused processes.
• Proven ability to prepare underwriting papers and renewal proposals.

Responsibilities

• Perform comprehensive credit assessments, including financial analysis, business evaluation and benchmarking for corporate clients.
• Prepare underwriting papers, credit notes, renewal proposals and NTB requests by synthesizing borrower financials and internal risk guidelines.
• Support Business with financial spreading, data verification, documentation checks and portfolio-related queries.
• Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
• Monitor portfolio performance through covenant tracking, exposure review and early warning indicators; elevate deviations.
• Maintain clear communication with business, risk and support teams to ensure smooth credit execution.

Skills

Credit memo-writing

Financial analysis

Cash-flow evaluation

Credit ratios

Lending structures

Financial modelling

Excel proficiency

Data validation

Credit policy interpretation

Documentation governance

Corporate banking

Education

Post-Graduate Diploma in Financial Management

MBA

CA (Chartered Accountant)

Tools

MS Excel

Job description

Job Description:

Designation: Credit Analyst

Location: Bangalore

Experience: 2-6 years

Role:

• Perform comprehensive credit assessments, including financial analysis, business evaluation, and peer benchmarking with emphasis on corporate clients.
• Prepare underwriting papers, credit notes, renewal proposals, and NTB requests by synthesizing borrower financials, sector data, and internal risk guidelines.
• Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries.
• Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
• Monitor portfolio performance through covenant tracking, exposure review, early warning indicators, and adherence to approval conditions; elevate deviations when required.
• Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.

Key Skills:

• Required 2-6 years of experience in corporate credit memo-writing.
• Advanced financial analysis, credit ratios, cash-flow evaluation, and lending structures.
• Financial modelling, excel proficiency, data validation, credit policy interpretation, documentation governance, and controls.
• Postgraduate degree or professional qualification preferred (CA / CFA / FRM).
• Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.
• Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.
• Corporate banking experience is preferable.

Required Qualification:

• Post-Graduate Diploma in Financial Management, Master of Business Administration (M.B.A.), or CA (Chartered Accountant).

Mandatory Skills:

• Credit Assessments
• Financial Analysis
• Business evaluation
• Data Verification
• Credit Ratios
• Cash-flow evaluation
• CA / CFA / FRM