Financial Analyst

Responsibilities: • Analyze credit proposals for clients with term loan and working capital requirements in the Business Banking Client Group [BBG]. • Prepare detailed proposal notes and secure clearance from credit sanctioning committees. • Conduct client meetings, evaluate prospective customers and market, understand client requirements, and structure proposals/deals within the bank's credit guidelines. • Monitor economic and industry developments, and financial parameters of clients to detect potential risk triggers and take appropriate risk mitigation steps. • Perform detailed credit and background reference checks on prospective clients. • Make presentations to sanctioning committees for credit file approvals. • Jointly monitor portfolios with account relationship teams based on early warning systems. • Follow defined processes in the execution of day-to-day assignments. • Ensure retention, documentation, and dissemination of knowledge. • Strictly adhere to Compliance, Confidentiality, and Information Security Policies and Guidelines. • Prohibit trading/holding in shares of corporate entities/Infrastructure companies. • Prepare internal credit analysis and notes. • Assist global Credit Analyst(s) in preparing publishable credit rating and research reports. Requirements: • Bachelor's degree in Finance, Accounting, or a related field. • Minimum of 2 years of experience as a Credit Analyst. • Experience in credit analysis and ratings, credit research, and report writing for the banking sector or financial institute. • Excellent oral and written communication skills. • Good understanding of international accounting standards, banking-related financial concepts, and strong analytical skills. • Good interpersonal skills and ability to work within a team. • Leadership and mentoring skills. Preferred: • Certification in Credit Analysis or Risk Management. • Familiarity with credit scoring models. • Experience in commercial and consumer lending