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