Credit Analyst-SUPPORT SERVICES-Credit at Hellenic Canadian Board of Trade in Mumbai, Maharashtra, India

Job description

• Role : Credit Analyst – SFG | M4-M5
• About the Role Credit Audit offers an opportunity to gain deep exposure to credit underwriting, risk assessment, portfolio monitoring, and governance across Consumer, Commercial, and Corporate Banking businesses. The role focuses on evaluating the quality of credit decisions, adherence to policies and regulatory requirements, and the effectiveness of credit risk management practices.

Responsibilities

• - End-to-end Credit Appraisal: Preparation of comprehensive credit appraisal notes for Corporate Loans and Structured Finance transactions, ensuring robust analysis and alignment with internal risk policies.
• - Credit Underwriting & Due Diligence: Independently conduct detailed financial, Business and management due diligence; evaluate deal structures; develop and review cash flow models; and assess repayment capacity.
• - Industry & Market Assessment: Perform in-depth industry research, market mapping and competitive benchmarking to support transaction evaluation and risk assessment.
• - Field Visits & Monitoring: Conduct unit/factory visits to validate operational and financial information and prepare detailed inspection and monitoring reports for senior management.
• - Risk Evaluation & Structuring: Collaborate with business teams to negotiate and finalize transaction terms and conditions, ensuring adequate mitigation of identified risks.
• - Portfolio Monitoring: Prepare and present monthly monitoring reports to top management, highlighting key developments, compliance status, and critical exposures.
• - Early Warning & Stress Identification: Identify early signs of stress across the portfolio, recommend strategies for account management, and support timely corrective actions.
• - Compliance & Governance: Monitor adherence to covenants and terms & conditions and drive corrective measures to address deviations or non-compliances.

Requirements

• - Strong understanding of corporate credit, financial analysis, structured finance concepts, and risk management principles
• - Advanced analytical and financial modelling skills with the ability to interpret complex financial statements
• - Excellent written and verbal communication skills, with strong presentation and stakeholder management capabilities
• - Ability to independently assess deal structures and propose risk mitigated solutions
• - High attention to detail, sound judgment, and a proactive approach to credit risk assessment

Skills

Required

• High attention to detail
• Sound judgment
• Proactive approach
• Financial modelling
• Financial statement analysis
• Credit risk assessment
• Structured finance
• Corporate credit analysis