Credit Risk Analyst

Credit risk analysis and assessment of credit proposals across industries. Appraising credit risk involved in proposed transaction and assigning internal credit rating for the company and the banking facilities proposed.

Review of project/concession agreement(s) entered into with state level/central authorities. (applicable in Infrastructure Risk). Credit monitoring and project progress reviews (applicable in Infrastructure Risk). Articulating risk views at sanctioning forums. Articulation/presentation of credit analysis to senior management within CRMG.

Familiarity/knowledge of RBI Circulars pertaining to asset classification, project under implementation, large exposure framework and updates on Master Circular issued every year in July of each year.

Interfacing with other support groups such as Legal, Compliance and Credit Monitoring teams. Analyzing and appraising the companies along with assessing risks and highlighting the same to the senior management.