Credit Analyst - Mid Corporates @ YES Bank, Noida

Yes Bank Ltd.; Dadri; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Yes Bank Ltd. is seeking a Credit Analyst in Noida to perform due diligence on corporate clients and conduct in-depth financial analysis. The role includes evaluating business models, assessing management risk, and building cashflow based models to support credit decisions.

You will interact with internal and external stakeholders, review annual reports, and help determine internal credit ratings while monitoring portfolio performance and warning signals.

Qualifications

• Carry out due diligence for corporate customers.
• In-depth financial analysis and business model review.
• Management risk analysis and cashflow based modelling.
• Review of cashflows, working capital, and debt servicing.

Responsibilities

• Carry out due diligence for corporate customers.
• Perform in-depth financial analysis and business model review.
• Conduct management risk analysis and cashflow-based modelling.
• Analyze cashflows, WC and debt servicing.
• Review annual reports and borrower/promoter background.
• Review credit notes with customer profiles and projections.
• Interact with stakeholders for customer reviews.
• Assign and review internal ratings for customers.
• Monitor customer performance on an ongoing basis.
• Review early warning signals and site progress when needed.
• Prepare recommendation notes and proposals for top management.

Skills

Credit analysis

Financial modelling

Due diligence

Cash flow analysis

Stakeholder management

Tools

Excel

Job description

Role: Credit Analyst

BU: Credit Risk Management

SBU: Mid Corporates

Ticket Size: Up to 200-500 Crores (Average 50-60 Crores)

Location: Noida

Roles & Responsibilities:

• Carry out due diligence for corporate customers
• In-depth financial analysis, business model review, management risk analysis
• Working on cashflow based excel models
• Analyzing cashflows and WC/debt servicing analysis
• Review of annual reports, borrower/promoter background
• Review of Credit notes prepared by Business Unit capturing details of customer profile, financial projections and analysis, assessment, term sheet.
• Interaction with various stakeholders (internal and external) for review of such customers
• Carry out internal rating of customers and assign/review rating
• Monitoring of performance of customers on an ongoing basis
• Review Early warning triggers
• Carry out site visit to review work progress
• Prepare recommendation notes and recommend proposals to top management
• Maintain/monitor Credit Hygiene