Credit Analyst-Working Capital/ Deputy Manager/ Manager

Axis Bank; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

Axis Bank in Bengaluru (Bangalore) invites applications for a Credit Analyst within the Commercial Banking Group. You will evaluate proposals, analyze markets, financial statements, and borrower profiles, and work closely with Relationship Managers to tailor credit solutions for client needs.

The role requires strong numerical skills and knowledge of financial ratios, with fluency in English and the local language. Grade: Deputy Manager/Manager; immediate joiner.

Qualifications

• Graduates with a good academic background.
• CA/Management/ICWA qualifications preferred.

Responsibilities

• Prepare CAM and submit notes, including risk observations.
• Assess credit worthiness and propose credit solutions within policy.
• Review/renew accounts and ensure timely task completion.
• Maintain acceptable turnaround times for rating and appraisals.

Skills

Financial ratios

Credit analysis

Communication

Risk assessment

Education

Graduate degree

CA/Management/ICWA preferred

Job description

About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc

About the Role:

Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements

Key Responsibilities

• Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.)
• Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
• Conduct review / renewal of accounts
• Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.

Qualifications:

Optimal qualification for success on the job is:

• Graduates with a good academic background
• CAs/Management Graduates/ICWAs will be preferred

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Good understanding of financial ratios and concepts
• Good communication (both verbal and written) skill in both English and the local language

Note: CA Female and Male Immediate joiner Only or Previous experience as credit analyst in working capital division is accepted(mini 5 years)

Job location: Bangalore

Grade :Deputy Manager/Manager.