Credit Analyst – Corporate Credit Analysis

Job Description

Credit Relationship Manager | Mashreq

The Tone:
This is a full-time role at Mashreq, located in Mumbai, India, within the International Banking Group. Mashreq builds and offers comprehensive banking solutions for corporate clients, and this role is critical in ensuring robust financial analysis, meticulous credit risk assessment, and efficient facility structuring. The position directly supports Relationship Managers, enabling them to deepen client relationships and grow the business while upholding the bank’s stringent credit and operational risk standards.

The TL;DR
• Role: Full Time
• Type: Full-time
• Location: In-person, Mumbai, India

• Team: Works with Corporate Banking Relationship Teams and engages with WRM; escalates suspected money laundering cases to Unit Manager and Group MLRO.
• Mission: To support Relationship Managers in financial analysis, credit risk assessment, and facility structuring for corporate relationships, ensuring business and customer requirements are met within credit and operational risk guidelines while maintaining portfolio quality.

What You’ll Actually Do
• Credit Analysis & Structuring: Assist in financial analysis, credit risk assessment, risk rating, and structuring & documentation of facilities for assigned corporate relationships, including meeting customers and preparing Green Light Memos and Credit Proposals (new, annual renewals, amendments).
• Client Engagement & Solutions: Collaborate with Corporate Banking Relationship Teams on deals, facility structures, credit products, and services, engaging with WRM to provide solutions that meet business and customer requirements within credit and operational risk guidelines and policies, potentially meeting clients and counterparties.
• Portfolio Management & Monitoring: Monitor the account conduct of borrowers, provide information at each review to ensure effective portfolio management and maintain portfolio quality by highlighting early warning signals, and ensure quick and timely turnaround of Credit Proposals while maintaining quality of analysis.
• Compliance & Risk Mitigation: Monitor post-disbursement reports for excesses, overdues, and other early warning signals; ensure compliance with internal and regulatory policies; conduct covenant testing; and track MERs & limit/CP expiry. Remain vigilant to money laundering activities, escalating all suspected cases to the Unit Manager and Group Money Laundering Reporting Officer (MLRO).
• Client Servicing & Audit Support: Assist Corporate RM teams in customer relationship management, including account opening, KYC, and regular client servicing like providing advices and bank statements, and support business in RCSA testing and reporting, identifying money laundering risks, and assisting in internal and external audit processes.

The Must-Haves
• Background: A post graduate diploma/MBA/ Chartered Accountancy or a similar qualification.
• Experience: Minimum 3-5 years of experience in credit or financial analysis within banking or a related field, with participation experience in a variety of banking initiatives and solutions.
• Skills: Local market knowledge, knowledge of commercial banking products and operating systems, good inter-personal skills, and a demonstrated ability to be a team player.