Credit Analyst

JOB DESCRIPTION: Job Title: Credit Analyst Division: Wholesale Banking Reports To (Job Title): Deputy Manager / AVP – Syndication & Credit Department: Syndication & Credit Analysis JOB ROLE: Support the Syndication team in evaluating, structuring, and monitoring syndicated and bilateral loan transactions. Conduct detailed financial and credit analysis of corporate borrowers. Assist in the preparation of credit proposals, risk assessments, and transaction documentation.

Liaise with arrangers, participating banks, and internal stakeholders to ensure smooth execution of deals. JOB RESPONSIBILITIES: Conduct comprehensive credit appraisals , including analysis of financial statements, cash flows, and debt-servicing capacity. Prepare and review credit proposals for new and existing syndicated facilities, ensuring compliance with internal policies.

Assist in deal structuring , pricing, and preparation of term sheets for syndication transactions. Liaise with Relationship Managers, Credit Administration, Legal, and Operations for due diligence, documentation, and transaction execution. Monitor loan covenants, repayments, and portfolio performance to identify early warning signals.

Maintain and update records of deal pipelines, loan exposures, and participant banks . Prepare periodic portfolio review reports, MIS, and presentations for management and regulatory submissions. Coordinate with agent and participant banks for information exchange, documentation follow-ups, and reconciliations.

Stay abreast of market developments, borrower performance, and sectoral trends to support credit decisions. Provide support in audit reviews, internal checks, and compliance reporting .