Manager – Credit Analyst – Bank

Hireginie Talent Cloud Pvt Ltd; Mumbai; On-site; INR 800,000 - 1,200,000; Full time

Job summary

A financial services company is seeking an experienced credit analyst to evaluate creditworthiness and prepare detailed reports for high-net-worth clients. The ideal candidate will have a CA or MBA in Finance and significant experience in credit analysis. Responsibilities include assessing financial statements and ensuring compliance with regulatory requirements. This position requires strong analytical and communication skills.

Qualifications

• 3 – 6 years of experience in credit analysis.
• Strong understanding of credit risk and financial analysis.

Responsibilities

• Assess creditworthiness of high-net-worth individuals.
• Prepare detailed credit reports and recommendations.
• Monitor existing credit exposures.

Skills

Analyzing financial statements

Evaluating creditworthiness

Negotiation skills

Risk assessment

Communication skills

Education

CA/MBA in Finance

Job description

Education & Experience

• CA/ MBA degree in Finance, Accounting, Economics, or related fields.
• 3 – 6 years of experience in credit analysis, preferably in wealth management, private banking, or financial services.
• Strong understanding of credit risk, financial analysis, and loan structuring.

Key Skills

• Expertise in evaluating creditworthiness of clients, analyzing financial statements, and conducting risk assessments.
• Proficiency in preparing detailed credit reports and presentations.
• Knowledge of debt products, loan agreements, and credit documentation.
• Strong analytical, communication, and negotiation skills.
• Familiarity with regulatory requirements and compliance in credit management.

Roles & Responsibilities

• Assess the creditworthiness of high-net-worth individuals (HNIs), family offices, and corporate clients.
• Perform in-depth analysis of financial statements, cash flow projections, and asset portfolios to evaluate credit risk.
• Prepare detailed credit reports, highlighting key risks, strengths, and loan structuring recommendations.
• Work closely with relationship managers and product teams to provide credit solutions tailored to clients’ financial needs.
• Monitor existing credit exposures and recommend appropriate risk mitigation measures.
• Ensure all credit approvals comply with internal policies and regulatory requirements.
• Stay updated on market trends, economic indicators, and industry risks that could impact client portfolios.

Behavioral Traits

• High attention to detail and strong problem-solving abilities.
• Ability to work independently and as part of a team.
• Strong decision-making capabilities with a client-centric approach.
• Proactive, adaptable, and able to handle multiple tasks in a fast-paced environment.