Kotak Mahindra Bank—Credit Analyst-SUPPORT SERVICES-Credit

Job description

Description: Role : Credit Analyst – SFG | M4-M5 Key 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. Key Competencies: - 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