Senior Credit Analyst

YES BANK; Mumbai; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

YES BANK is seeking a seasoned professional for an Infrastructure Credit role with 7+ years of relevant experience. The role emphasizes comprehensive credit assessment, financial analysis, ongoing monitoring and risk evaluation of corporate customers in the infrastructure sector.

The position requires strong analytical skills, sector understanding, and the ability to collaborate with multiple stakeholders to ensure sound credit decisions and robust credit hygiene.

Qualifications

• 7+ years of experience in infrastructure credit and credit risk assessment.
• Strong analytical skills and sector understanding of infrastructure.
• Ability to collaborate with multiple stakeholders for sound credit decisions.

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 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

Skills

Credit analysis

Financial modeling

Analytical skills

Stakeholder collaboration

Tools

Excel

Job description

Role Summary: This role requires relevant experience of 7+ years into Infrastructure Credit. The Urban Infrastructure Credit role focuses on comprehensive credit assessment, financial analysis, ongoing monitoring, and risk evaluation of corporate customers in the infrastructure sector. The position requires strong analytical skills, sector understanding, and the ability to collaborate with multiple stakeholders to ensure sound credit decisions and maintain robust credit hygiene.

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