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Credit Analyst — Private LendingAbout the RoleWe are San Diego's largest private money lender looking for a detail-oriented and financially savvy Credit Analyst to join our private lending team. This role is responsible for evaluating borrower applications, analyzing real estate deals, preparing term sheets, and supporting loans from submission through closing. You’ll work closely with borrowers, sales, and processing to ensure deals move efficiently and meet our underwriting standards.Unique OpportunityIn this role, you’ll work directly alongside the founder, one of the most experienced residential real estate investors in San Diego. This gives you the opportunity to learn from a leader with deep industry knowledge and gain hands-on exposure to real-world dealmaking, underwriting, and strategic decision-making.Key ResponsibilitiesReview and analyze borrower financials, credit reports, and loan applicationsEvaluate real estate collateral, including ARV, comps, construction budgets, rents and project feasibilityPrepare loan summaries, risk assessments, and recommendations for approvalDraft and deliver term sheets to borrowersCoordinate with sales, processing, and closing to ensure smooth and timely loan executionCommunicate with borrowers to collect documentation and clarify underwriting questionsTrack deal progress and maintain accurate records in our CRMIdentify potential risks, red flags, and compliance issuesAssist with portfolio monitoring and draw reviews when neededQualificationsExperience in real estate finance, underwriting, lending, or a related field (preferred)Strong analytical and financial modeling skillsFamiliarity with construction, multifamily or fix-and-flip projects is a plusExcellent communication and organizational skillsDetail-oriented with the ability to manage multiple deals at onceWhat Success Looks LikeAccurate, timely underwritingClear communication with borrowers and team membersSmooth handoff from underwriting to processing and closingLoans that align with company guidelines while supporting borrower successWe work on a hybrid schedule and are in office 2-3 days a week in our La Jolla HQ.Show moreShow less

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Credit Analyst — Private LendingAbout the RoleWe are San Diego's largest private money lender looking for a detail-oriented and financially savvy Credit Analyst to join our private lending team. This role is responsible for evaluating borrower applications, analyzing real estate deals, preparing term sheets, and supporting loans from submission through closing. You’ll work closely with borrowers, sales, and processing to ensure deals move efficiently and meet our underwriting standards. Unique OpportunityIn this role, you’ll work directly alongside the founder, one of the most experienced residential real estate investors in San Diego. This gives you the opportunity to learn from a leader with deep industry knowledge and gain hands-on exposure to real-world dealmaking, underwriting, and strategic decision-making. Key Responsibilities<ul><li>Review and analyze borrower financials, credit reports, and loan applications</li><li>Evaluate real estate collateral, including ARV, comps, construction budgets, rents and project feasibility</li><li>Prepare loan summaries, risk assessments, and recommendations for approval</li><li>Draft and deliver term sheets to borrowers</li><li>Coordinate with sales, processing, and closing to ensure smooth and timely loan execution</li><li>Communicate with borrowers to collect documentation and clarify underwriting questions</li><li>Track deal progress and maintain accurate records in our CRM</li><li>Identify potential risks, red flags, and compliance issues</li><li>Assist with portfolio monitoring and draw reviews when needed</li></ul>Qualifications<ul><li>Experience in real estate finance, underwriting, lending, or a related field (preferred)</li><li>Strong analytical and financial modeling skills</li><li>Familiarity with construction, multifamily or fix-and-flip projects is a plus</li><li>Excellent communication and organizational skills</li><li>Detail-oriented with the ability to manage multiple deals at once</li></ul>What Success Looks Like<ul><li>Accurate, timely underwriting</li><li>Clear communication with borrowers and team members</li><li>Smooth handoff from underwriting to processing and closing</li><li>Loans that align with company guidelines while supporting borrower success</li></ul> We work on a hybrid schedule and are in office 2-3 days a week in our La Jolla HQ.
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Credit Analyst

Overview:A growing community bank in the Dallas–Fort Worth area is seeking a Senior Credit Analyst to support its commercial loan portfolio. In this role, you will work closely with Relationship Managers to manage the portfolio and support business development efforts. This is an excellent opportunity to gain broad exposure across CRE and C&I lending while working within a small team and supporting senior credit leadership. You will play a key role in shaping the bank’s credit strategy and contributing to growth.Responsibilities:Perform comprehensive credit analysis for new and existing commercial clients, including cash flow analysis, balance sheet and income statement review, and risk assessment.Underwrite commercial deals, CRE and C&I exposure, and prepare credit memorandums for loan committee review.Collaborate closely with Relationship Managers to support portfolio monitoring, loan reviews, and compliance with credit and risk policies.Contribute to the development and enhancement of lending and credit practices across the portfolio.Qualifications:2-4 years in commercial credit risk.Experience with CRE and C&I lending.Strong analytical, financial modeling, and credit evaluation skills.Proven experience with credit underwriting.Show moreShow less

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Overview:A growing community bank in the Dallas–Fort Worth area is seeking a Senior Credit Analyst to support its commercial loan portfolio. In this role, you will work closely with Relationship Managers to manage the portfolio and support business development efforts. This is an excellent opportunity to gain broad exposure across CRE and C&amp;I lending while working within a small team and supporting senior credit leadership. You will play a key role in shaping the bank’s credit strategy and contributing to growth. Responsibilities: <ul><li>Perform comprehensive credit analysis for new and existing commercial clients, including cash flow analysis, balance sheet and income statement review, and risk assessment.</li><li>Underwrite commercial deals, CRE and C&amp;I exposure, and prepare credit memorandums for loan committee review.</li><li>Collaborate closely with Relationship Managers to support portfolio monitoring, loan reviews, and compliance with credit and risk policies.</li><li>Contribute to the development and enhancement of lending and credit practices across the portfolio.</li></ul> Qualifications:<ul><li>2-4 years in commercial credit risk. </li><li>Experience with CRE and C&amp;I lending.</li><li>Strong analytical, financial modeling, and credit evaluation skills.</li><li>Proven experience with credit underwriting.</li></ul>
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Senior Credit Analyst

Job Title: Credit AnalystLocation: Pune [Work-from-Office]Job Summary:The candidate will be responsible for developing and implementing credit risk models, monitoring portfolio quality, and performing periodic alignments of the models to fit business requirements.Key Responsibilities:1. Develop and maintain credit risk models, covering the customer life cycle engagement, including acquisition, fraud, portfolio/debt management, and cross-sell/upsell.2. Identify trends, patterns, and correlations that influence credit risk decisions.3. Evaluate various data sources, including but not limited to bureau data, alternate data, and customer digital footprints, to enhance the decision-making process and enhance credit model designs.4. Collaborate with cross-functional teams to integrate models into lending and portfolio management processes.5. Provide insights and recommendations to support credit risk management.6. Collaborate with policy teams on new product launches, providing analytical support on segment selection and industry trends related to credit risk.Requirements:1. Master's degree in a quantitative field (e.g., mathematics, statistics, economics) or MBA in Finance/Business Analytics.2.Minimum 1 year of experiencein credit analytics or a related field.3. Strong programming skills in languages such as Python, pyspark.4. Experience with machine learning / AI algorithms.5. Ability to work in a fast-paced environment and meet deadlines.Nice to Have:Experience with cloud-based data platforms and tools (e.g., Azure, AWS, GCP).Show moreShow less

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Job Title: Credit AnalystLocation: Pune [Work-from-Office] Job Summary:The candidate will be responsible for developing and implementing credit risk models, monitoring portfolio quality, and performing periodic alignments of the models to fit business requirements. Key Responsibilities:1. Develop and maintain credit risk models, covering the customer life cycle engagement, including acquisition, fraud, portfolio/debt management, and cross-sell/upsell.2. Identify trends, patterns, and correlations that influence credit risk decisions.3. Evaluate various data sources, including but not limited to bureau data, alternate data, and customer digital footprints, to enhance the decision-making process and enhance credit model designs.4. Collaborate with cross-functional teams to integrate models into lending and portfolio management processes.5. Provide insights and recommendations to support credit risk management.6. Collaborate with policy teams on new product launches, providing analytical support on segment selection and industry trends related to credit risk. Requirements:1. Master's degree in a quantitative field (e.g., mathematics, statistics, economics) or MBA in Finance/Business Analytics.2. Minimum 1 year of experience in credit analytics or a related field.3. Strong programming skills in languages such as Python, pyspark.4. Experience with machine learning / AI algorithms.5. Ability to work in a fast-paced environment and meet deadlines. Nice to Have:<ol><li>Experience with cloud-based data platforms and tools (e.g., Azure, AWS, GCP).</li></ol>
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Reference 25000CMT
Responsibilities
DEPARTMENT DESCRIPTION
GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management  Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Manager and other NBFIs) located in various regions Globally.
Main Accountabilities
The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include:
Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.
Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk.
Conduct sector research to support the analysis.
Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.
Propose obligor ratings using our internal rating tools.
Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations.
Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.
Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.
Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties.
Assist in special credit related assignments and projects, as required.
Required
Profile required
COMPETENCIES
Required:
Ability to organize time and manage deliverables to deadlines.
Ability to identify and accommodate shifting priorities with little notice
Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data.
Acquire ability to complete work with minimal or no supervision
Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.
Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients.
Technical Skills
Required:
Proficiency using Word for written analysis and Excel for spreadsheet analysis
Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors.
Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s)
Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions
Develop competency with SG's internal systems.
Desired:
Knowledge of capital markets/traded products and committed financing facilities
Knowledge of Asset Management and Banking Industry.
Advanced Excel skills, such as macros and pivot tables.
Why join us
We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status
Business insight
At Socit Gnrale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious. Whether you're joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating, and taking action are part of our DNA. If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us!
Still hesitating
You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved.
We are committed to support accelerating our Group's ESG strategy by implementing ESG principles in all our activities and policies. They are translated in our business activity (ESG assessment, reporting, project management or IT activities), our work environment and in our responsible practices for environment protection.
Diversity and Inclusion
We are an
equal opportunities employer
and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and
promoting all talents
, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Reference 25000CMT Responsibilities DEPARTMENT DESCRIPTION GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Manager and other NBFIs) located in various regions Globally. Main Accountabilities The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include: <ul><li> Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.</li><li> Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk.</li><li> Conduct sector research to support the analysis.</li><li> Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.</li><li> Propose obligor ratings using our internal rating tools.</li><li> Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations.</li><li> Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.</li><li> Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.</li><li> Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties.</li><li> Assist in special credit related assignments and projects, as required. </li></ul>Required Profile required COMPETENCIES Required: <ul><li> Ability to organize time and manage deliverables to deadlines.</li><li> Ability to identify and accommodate shifting priorities with little notice</li><li> Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data.</li><li> Acquire ability to complete work with minimal or no supervision</li><li> Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.</li><li> Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients. </li></ul>Technical Skills Required: <ul><li> Proficiency using Word for written analysis and Excel for spreadsheet analysis</li><li> Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors.</li><li> Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s)</li><li> Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions</li><li> Develop competency with SG's internal systems. </li></ul>Desired: <ul><li> Knowledge of capital markets/traded products and committed financing facilities</li><li> Knowledge of Asset Management and Banking Industry.</li><li> Advanced Excel skills, such as macros and pivot tables. </li></ul> Why join us We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status Business insight At Socit Gnrale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious. Whether you're joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating, and taking action are part of our DNA. If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us! Still hesitating You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved. We are committed to support accelerating our Group's ESG strategy by implementing ESG principles in all our activities and policies. They are translated in our business activity (ESG assessment, reporting, project management or IT activities), our work environment and in our responsible practices for environment protection. Diversity and Inclusion We are an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Lead Credit Analyst - FAI (Funds)

Who we are?Johnson Controls is the global leader for smart, healthy and sustainable buildings. At Johnson Controls, we’ve been making buildings smarter since 1885, and our capabilities, depth of innovation experience, and global reach have been growing ever since. Today, we offer the world’s largest portfolio of building products, technologies, software, and services; we put that portfolio to work to transform the environments where people live, work, learn and play.This is where Johnson Controls comes in, helping drive the outcomes that matter most. Through a full range of systems and digital solutions, we make your buildings smarter. A smarter building is safer, more comfortable, more efficient, and, ultimately, more sustainable. Most important, smarter buildings let you focus more intensely on your unique mission. Better for your people. Better for your bottom line. Better for the planet. We’re helping to create a healthy planet with solutions that decrease energy use, reduce waste and make carbon neutrality a reality. Sustainability is a top priority for our company.We committed to invest 75 percent of new product development R&D in climate-related innovation to develop sustainable products and services. We take sustainability seriously. Achieving net zero carbon emissions before 2040 is just one of our commitments to making the world a better place.Please visit and follow Johnson Controls LinkedIn for recent exciting activities.Why JCI:https://www.youtube.com/watch?v=nrbigjbpxkgAsia-Pacific LinkedIn:https://www.linkedin.com/showcase/johnson-controls-asia-pacific/posts/?feedView=allCareer:The Power Behind Your MissionOpenBlue:This is How a Space Comes AliveWe are seeking a detail-oriented professional with finance knowledge and strong MS Office proficiency, particularly advanced Excel skills, to support credit operations through day-to-day reporting, compliance checks, and transformation initiatives.This role demands a combination of data expertise, process discipline, and a continuous improvement mindset to ensure accuracy, efficiency, and compliance in credit operations. The candidate must have proven experience in reporting and compliance, with the ability to prepare and present monthly Key Performance Indicators (KPIs) — both in written and oral form — to all levels of company management.The position may also include special operational projects, participation in department initiatives, and execution of administrative tasks as needed. Minimal travel is required, and remote work is allowedWhat will you do?Responsible for the timely and accurate performance of a full range of credit tasks (New Customers’ Credit Assessment, Periodic Review of Existing Customers & Thorough Review of Ad-hoc Credit Limit increase requests)Should possess a clear understanding of Company Financials (P&L, Balance Sheet & Cash Flow Statements)Provide recommendations tied to analysis and assessment of credit riskAnalyze / approve new account applications (Credit limit assessment)Responsible to categorize the customers basis the risk (High, Medium & Low)Preparation and reporting of business unit wise Credit ReportsKeep up to date with the company’s Global Credit Policy and Standard payment terms policy.Reinstate or suspend accounts based on credit policies and payment behaviorTo continuously seek out better ways of performing the processes and support process improvement initiativesTo ensure compliance to applicable policies, SOX guidelines, and regulationAudit support for own BU and any other assigned BU on internal and external AuditHow will you do it?Adherence to company’s Global Credit Policy (in detail) and Standard payment term policy and a thorough knowledge of itConduct thorough Credit Risk Analysis/Credit Lien of financial statements and assessment of credit requests, including new requests, change requests and Periodic ReviewsEnsure performance measures are met or exceeded in a timely mannerBased on sales demand review customer past trend and propose for additional Credit LimitAdhere to the DOA and seek necessary approvals before setting up the credit limitsUpdating approved credit limits to the ERP system via liaising with CMD teamEnsure compliance to statutory regulations, SOX, documentation required for completion assigned task.Efficiently function during monthly, quarterly and annual closing to manage the request volume and ensuring completion of all requests within defined SLA.What we look forRequiredGraduate / Postgraduate / master’s degree in commerce or relevant experience.4-7+ years of finance operations experiencePreferredProficient in English, both verbal and written communication skills would be preferredWorking experience within a shared services environment, Multinational Corporation or Global firms are desired3-4 Years of experience required in combination of Credit & Collection and work experience on ERPs (SAP experience is desired).Should have in depth knowledge of all the parameters which will help evaluating the credit worthiness of the customersIntermediate skills in Microsoft® Word, Excel, Outlook, and Internet navigation and research, includingAbility to utilize basic formulasUtilize Pivot Tables and V-LookupsEssential: minimum 2 years of relevant experienceAbility to manage meeting deadlines and flexible enough to work in a pressured work environmentStrong attention to detail and ability to notice discrepancies in dataShould have a clear understanding of CRA (Credit Rating Agencies), Credit Ratings (D&B Ratings preferred), Payment Plan, Bank References, Trade References, Different types of Guarantees, Different Payment Terms, Group Credit Limit (Parent & Subsidiary Ownership) etc.Good understanding of financial statements, ratios, and conceptsWhat We OfferWe offer an exciting and challenging position. Joining us you will become part of a leading global multi-industrial corporation defined by its stimulating work environment and job satisfaction. In addition, we offer outstanding career development opportunities which will stretch your abilities and channel your talentsDiversity & InclusionOur dedication to diversity and inclusion starts with our values. We lead with integrity and purpose, focusing on the future and aligning with our customers’ vision for success. Our High-Performance Culture ensures that we have the best talent that is highly engaged and eager to innovate.  Our D&I mission elevates each employee’s responsibility to contribute to our culture. It’s through these contributions that we’ll drive the mindsets and behaviors we need to power our customers’ missions. You have the power. You have the voice. You have the culture in your hands.Show moreShow less

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Who we are? Johnson Controls is the global leader for smart, healthy and sustainable buildings. At Johnson Controls, we’ve been making buildings smarter since 1885, and our capabilities, depth of innovation experience, and global reach have been growing ever since. Today, we offer the world’s largest portfolio of building products, technologies, software, and services; we put that portfolio to work to transform the environments where people live, work, learn and play. This is where Johnson Controls comes in, helping drive the outcomes that matter most. Through a full range of systems and digital solutions, we make your buildings smarter. A smarter building is safer, more comfortable, more efficient, and, ultimately, more sustainable. Most important, smarter buildings let you focus more intensely on your unique mission. Better for your people. Better for your bottom line. Better for the planet. We’re helping to create a healthy planet with solutions that decrease energy use, reduce waste and make carbon neutrality a reality. Sustainability is a top priority for our company. We committed to invest 75 percent of new product development R&amp;D in climate-related innovation to develop sustainable products and services. We take sustainability seriously. Achieving net zero carbon emissions before 2040 is just one of our commitments to making the world a better place. Please visit and follow Johnson Controls LinkedIn for recent exciting activities. Why JCI: https://www.youtube.com/watch?v=nrbigjbpxkg Asia-Pacific LinkedIn: https://www.linkedin.com/showcase/johnson-controls-asia-pacific/posts/?feedView=all Career: The Power Behind Your Mission OpenBlue: This is How a Space Comes Alive We are seeking a detail-oriented professional with finance knowledge and strong MS Office proficiency, particularly advanced Excel skills, to support credit operations through day-to-day reporting, compliance checks, and transformation initiatives. This role demands a combination of data expertise, process discipline, and a continuous improvement mindset to ensure accuracy, efficiency, and compliance in credit operations. The candidate must have proven experience in reporting and compliance, with the ability to prepare and present monthly Key Performance Indicators (KPIs) — both in written and oral form — to all levels of company management. The position may also include special operational projects, participation in department initiatives, and execution of administrative tasks as needed. Minimal travel is required, and remote work is allowed What will you do? <ul><li>Responsible for the timely and accurate performance of a full range of credit tasks (New Customers’ Credit Assessment, Periodic Review of Existing Customers &amp; Thorough Review of Ad-hoc Credit Limit increase requests)</li><li>Should possess a clear understanding of Company Financials (P&amp;L, Balance Sheet &amp; Cash Flow Statements)</li><li>Provide recommendations tied to analysis and assessment of credit risk</li><li>Analyze / approve new account applications (Credit limit assessment)</li><li>Responsible to categorize the customers basis the risk (High, Medium &amp; Low)</li><li>Preparation and reporting of business unit wise Credit Reports</li><li>Keep up to date with the company’s Global Credit Policy and Standard payment terms policy.</li><li>Reinstate or suspend accounts based on credit policies and payment behavior</li><li>To continuously seek out better ways of performing the processes and support process improvement initiatives</li><li>To ensure compliance to applicable policies, SOX guidelines, and regulation</li><li>Audit support for own BU and any other assigned BU on internal and external Audit </li></ul>How will you do it? <ul><li>Adherence to company’s Global Credit Policy (in detail) and Standard payment term policy and a thorough knowledge of it</li><li>Conduct thorough Credit Risk Analysis/Credit Lien of financial statements and assessment of credit requests, including new requests, change requests and Periodic Reviews</li><li>Ensure performance measures are met or exceeded in a timely manner</li><li>Based on sales demand review customer past trend and propose for additional Credit Limit</li><li>Adhere to the DOA and seek necessary approvals before setting up the credit limits</li><li>Updating approved credit limits to the ERP system via liaising with CMD team</li><li>Ensure compliance to statutory regulations, SOX, documentation required for completion assigned task.</li><li>Efficiently function during monthly, quarterly and annual closing to manage the request volume and ensuring completion of all requests within defined SLA. </li></ul>What we look for Required <ul><li>Graduate / Postgraduate / master’s degree in commerce or relevant experience.</li><li>4-7+ years of finance operations experience </li></ul>Preferred <ul><li>Proficient in English, both verbal and written communication skills would be preferred</li><li>Working experience within a shared services environment, Multinational Corporation or Global firms are desired</li><li>3-4 Years of experience required in combination of Credit &amp; Collection and work experience on ERPs (SAP experience is desired).</li><li>Should have in depth knowledge of all the parameters which will help evaluating the credit worthiness of the customers</li><li>Intermediate skills in Microsoft® Word, Excel, Outlook, and Internet navigation and research, including</li><ul><li>Ability to utilize basic formulas</li><li>Utilize Pivot Tables and V-Lookups</li></ul><li>Essential: minimum 2 years of relevant experience</li><li>Ability to manage meeting deadlines and flexible enough to work in a pressured work environment</li><li>Strong attention to detail and ability to notice discrepancies in data</li><li>Should have a clear understanding of CRA (Credit Rating Agencies), Credit Ratings (D&amp;B Ratings preferred), Payment Plan, Bank References, Trade References, Different types of Guarantees, Different Payment Terms, Group Credit Limit (Parent &amp; Subsidiary Ownership) etc.</li><li>Good understanding of financial statements, ratios, and concepts </li></ul>What We Offer We offer an exciting and challenging position. Joining us you will become part of a leading global multi-industrial corporation defined by its stimulating work environment and job satisfaction. In addition, we offer outstanding career development opportunities which will stretch your abilities and channel your talents Diversity &amp; Inclusion Our dedication to diversity and inclusion starts with our values. We lead with integrity and purpose, focusing on the future and aligning with our customers’ vision for success. Our High-Performance Culture ensures that we have the best talent that is highly engaged and eager to innovate.  Our D&amp;I mission elevates each employee’s responsibility to contribute to our culture. It’s through these contributions that we’ll drive the mindsets and behaviors we need to power our customers’ missions. You have the power. You have the voice. You have the culture in your hands.
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Assistant Manager- Credit Analyst

Job SummaryStrategyProvide inputs in shaping the Retail Risk Operations strategic directionWork with in-country stakeholders to deliver against the Retail Risk Operations strategic initiativeBusinessOptimise operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management disciplineProcessesEnsure that credit files are processed while adhering to the process standards defined by CCO, Retail Clients.Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.Leverage and build credit assessment infrastructure capability to optimize process efficiency.Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations.People & TalentLead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.Employ, engage and retain high quality people, with succession planning for critical roles.Risk ManagementIdentify and share industry best practices and work with the businesses for their feasibility and implementation.Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and proceduresGovernanceEnsuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.Embed the Group’s values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews.Regulatory & Business ConductDisplay exemplary conduct and live by the Group’s Values and Code of Conduct.Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.Exercise authorities delegated by the Board of Directors and act in accordance with Articles of AssociationKey stakeholdersCountry Retail Risk HeadRRO Team, Policy TeamCountry Business Heads and Product Head, Retail Client segmentIn-country governance forums (as may be applicable)Country Fraud and Collections HeadsInternal IT partners supporting Retail Clients businessHR & L&TD teamOperations, L&C and Customer Experience Management UnitExternal stakeholdersAuditors and RegulatorsAssociations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer BanksSuppliers, vendors and consultantsOther ResponsibilitiesReview files received from lending operations and check file for documentation and Compliance.Risk Analysts to conduct Tele PD or Physical PD as applicable to the case and as defined by the policy.Manage reworks with lending operations and business for completion of additional requirements.Review and Validate legal and valuation reports and also arrive at the final eligibility.Validate banking, Sales turnover and other key financial ratios that are critical for credit decisioning along with pre-booking FRM checks.Highlight relevant deviations with respect to Policy. Maintain TAT & productivity.Perform checks on external websites and check for any adverse media coverage or any other negative referencing on clients.Review of transactions as laid down in the policy along with legal and valuation reports.Prepare credit approval Memo which adequately covers all critical information that are necessary for decision making by Approver.Manage empanelled vendors and monitor their TAT, productivity, TPSA and billing related activities.POA holders to adhere to clauses as specified in their POASkills And ExperienceAnalysis of financial statementAnalytical skillsUnderstanding of the legal and technicalMS excel/MS wordQualificationsMBA/CA qualified with minimum 2 yrs of experienceEnglish/HindiAbout Standard CharteredWe're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.Together WeDo the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we doNever settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so wellAre better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long termWhat We OfferIn line with our Fair Pay Charter,we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.Flexible working options based around home and office locations, with flexible working patterns.Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkitsA continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.Show moreShow less

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Job Summary Strategy <ul><li> Provide inputs in shaping the Retail Risk Operations strategic direction</li><li> Work with in-country stakeholders to deliver against the Retail Risk Operations strategic initiative </li></ul>Business <ul><li> Optimise operating efficiency while balancing the effectiveness of file processing within the Retail Risk Operations function.</li><li> Ensure the cost budget in Credit Initiation is based on robust capacity plans and is delivered through a rigorous cost management discipline </li></ul>Processes <ul><li> Ensure that credit files are processed while adhering to the process standards defined by CCO, Retail Clients.</li><li> Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.</li><li> Leverage and build credit assessment infrastructure capability to optimize process efficiency.</li><li> Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.</li><li> Implement the Operational Risk Framework in Retail Risk Operations and monitor the operational risk metrics to identify potential control weaknesses.</li><li> Identify and track Key Performance Indicators (KPIs) to support strategy testing environment and daily operations. </li></ul>People &amp; Talent <ul><li> Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.</li><li> Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.</li><li> Employ, engage and retain high quality people, with succession planning for critical roles. </li></ul>Risk Management <ul><li> Identify and share industry best practices and work with the businesses for their feasibility and implementation.</li><li> Monitor through the door application quality and provide timely inputs to in-country stakeholders for optimizing risk and reward relationship.</li><li> Ensure all Credit Initiation policies and procedures comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures </li></ul>Governance <ul><li> Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements.</li><li> Embed the Group’s values and code of conduct in Credit Initiation to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture.</li><li> Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews. </li></ul>Regulatory &amp; Business Conduct <ul><li> Display exemplary conduct and live by the Group’s Values and Code of Conduct.</li><li> Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</li><li> Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</li><li> Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association </li></ul>Key stakeholders <ul><li> Country Retail Risk Head</li><li> RRO Team, Policy Team</li><li> Country Business Heads and Product Head, Retail Client segment</li><li> In-country governance forums (as may be applicable)</li><li> Country Fraud and Collections Heads</li><li> Internal IT partners supporting Retail Clients business</li><li> HR &amp; L&amp;TD team</li><li> Operations, L&amp;C and Customer Experience Management Unit </li></ul>External stakeholders <ul><li> Auditors and Regulators</li><li> Associations (Visa, MasterCard, Amex and other Regional / Local forums), Credit Bureaus and peer Banks</li><li> Suppliers, vendors and consultants </li></ul>Other Responsibilities <ul><li> Review files received from lending operations and check file for documentation and Compliance.</li><li> Risk Analysts to conduct Tele PD or Physical PD as applicable to the case and as defined by the policy.</li><li> Manage reworks with lending operations and business for completion of additional requirements.</li><li> Review and Validate legal and valuation reports and also arrive at the final eligibility.</li><li> Validate banking, Sales turnover and other key financial ratios that are critical for credit decisioning along with pre-booking FRM checks.</li><li> Highlight relevant deviations with respect to Policy. Maintain TAT &amp; productivity.</li><li> Perform checks on external websites and check for any adverse media coverage or any other negative referencing on clients.</li><li> Review of transactions as laid down in the policy along with legal and valuation reports.</li><li> Prepare credit approval Memo which adequately covers all critical information that are necessary for decision making by Approver.</li><li> Manage empanelled vendors and monitor their TAT, productivity, TPSA and billing related activities.</li><li> POA holders to adhere to clauses as specified in their POA </li></ul>Skills And Experience <ul><li> Analysis of financial statement</li><li> Analytical skills</li><li> Understanding of the legal and technical</li><li> MS excel/MS word </li></ul>Qualifications <ul><li> MBA/CA qualified with minimum 2 yrs of experience</li><li> English/Hindi </li></ul>About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together We <ul><li>Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li><li>Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li><li>Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term </li></ul>What We Offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. <ul><li>Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.</li><li>Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li><li>Flexible working options based around home and office locations, with flexible working patterns.</li><li>Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li><li>A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li><li>Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li></ul>
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Credit Analyst - Risk

The Structured Credit and Securitisation team forms part of the Fixed Income and Currencies division within Macquarie’s Commodities and Global Markets Group. The team is focused on delivering innovative solutions across structured credit products, supporting Macquarie Bank Europe’s growth. We operate in a fast-paced environment, working collaboratively to originate, analyse, and manage investments that contribute to the ongoing success and expansion of our business.At Macquarie, our advantage is bringing together diverse people and empowering them to shape all kinds of possibilities. We are a global financial services group operating in 31 markets and with 56 years of unbroken profitability. You’ll be part of a friendly and supportive team where everyone - no matter what role - contributes ideas and drives outcomes.What role will you play?As a Structured Credit Analyst, you will analyse investment ideas across the structured lending space, covering sponsors and originators throughout continental Europe. Your responsibilities include conducting in-depth due diligence, asset analysis, and modelling to refine investment theses and forecast asset performance, as well as supporting the structuring, negotiation, and documentation of investments. You will prepare and present investment materials and transaction documentation for both internal and external stakeholders, collaborate with the Asset Management team to actively monitor existing portfolio positions, and build and maintain relationships with originators, sponsors, servicers, advisors, and internal Macquarie stakeholders.What You OfferA strong academic background, ideally with an advanced degree in a quantitative or analytical field (e.g., Engineering, Maths, Physics, or similar).Strong analytical skills, including the ability to self-direct, evaluate, and form independent judgments.Ability to achieve greater operating efficiency through effective use of AI tools, with proficiency in Microsoft PowerPoint and Excel; familiarity with financial modelling or programming tools (e.g., Python, VBA) is desirable.Attention to detail and the ability to produce consistently high-quality deliverables.Excellent communication and collaboration skills to build relationships across various stakeholders.Fluency in French and English is essential, with other European languages considered advantageous for cross-border transactions.We love hearing from anyone inspired to build a better future with us, if you're excited about the role or working at Macquarie we encourage you to apply.What We OfferBenefitsAt Macquarie, you’re empowered to shape a career that’s rewarding in all the ways that matter most to you. Macquarie employees can access a wide range of benefits which, depending on eligibility criteria, include:1 wellbeing leave day per year26 weeks’ paid maternity leave or 20 weeks’ paid parental leave for primary caregivers along with 12 days of paid transition leave upon return to work and 6 weeks’ paid leave for secondary caregiversCompany-subsidised childcare services2 days of paid volunteer leave and donation matchingBenefits to support your physical, mental and financial wellbeing including comprehensive medical and life insurance cover, the option to join parental medical insurance plan and virtual medical consultations extended to family membersAccess to our Employee Assistance Program, a robust behavioural health network with counselling and coaching servicesAccess to a wide range of learning and development opportunities, including reimbursement for professional membership or subscriptionHybrid and flexible working arrangements, dependent on roleReimbursement for work from home equipmentAbout Commodities and Global MarketsCommodities and Global Markets is a global business offering capital and financing, risk management, market access, physical execution and logistics solutions to its diverse client base across Commodities, Financial Markets and Asset Finance.Our commitment to diversity, equity and inclusionWe are committed to fostering a diverse, equitable and inclusive workplace. We encourage people from all backgrounds to apply and welcome all identities, including race, ethnicity, cultural identity, nationality, gender (including gender identity or expression), age, sexual orientation, marital or partnership status, parental, caregiving or family status, neurodiversity, religion or belief, disability, or socio-economic background. We welcome further discussions on how you can feel included and belong at Macquarie as you progress through our recruitment process.Our aim is to provide reasonable adjustments to individuals who may need support during the recruitment process and through working arrangements. If you require additional assistance, please let us know in the application process.Show moreShow less

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 The Structured Credit and Securitisation team forms part of the Fixed Income and Currencies division within Macquarie’s Commodities and Global Markets Group. The team is focused on delivering innovative solutions across structured credit products, supporting Macquarie Bank Europe’s growth. We operate in a fast-paced environment, working collaboratively to originate, analyse, and manage investments that contribute to the ongoing success and expansion of our business. At Macquarie, our advantage is bringing together diverse people and empowering them to shape all kinds of possibilities. We are a global financial services group operating in 31 markets and with 56 years of unbroken profitability. You’ll be part of a friendly and supportive team where everyone - no matter what role - contributes ideas and drives outcomes. What role will you play? As a Structured Credit Analyst, you will analyse investment ideas across the structured lending space, covering sponsors and originators throughout continental Europe. Your responsibilities include conducting in-depth due diligence, asset analysis, and modelling to refine investment theses and forecast asset performance, as well as supporting the structuring, negotiation, and documentation of investments. You will prepare and present investment materials and transaction documentation for both internal and external stakeholders, collaborate with the Asset Management team to actively monitor existing portfolio positions, and build and maintain relationships with originators, sponsors, servicers, advisors, and internal Macquarie stakeholders. What You Offer <ul><li> A strong academic background, ideally with an advanced degree in a quantitative or analytical field (e.g., Engineering, Maths, Physics, or similar).</li><li> Strong analytical skills, including the ability to self-direct, evaluate, and form independent judgments.</li><li> Ability to achieve greater operating efficiency through effective use of AI tools, with proficiency in Microsoft PowerPoint and Excel; familiarity with financial modelling or programming tools (e.g., Python, VBA) is desirable.</li><li> Attention to detail and the ability to produce consistently high-quality deliverables.</li><li> Excellent communication and collaboration skills to build relationships across various stakeholders.</li><li> Fluency in French and English is essential, with other European languages considered advantageous for cross-border transactions. </li></ul>We love hearing from anyone inspired to build a better future with us, if you're excited about the role or working at Macquarie we encourage you to apply. What We Offer Benefits At Macquarie, you’re empowered to shape a career that’s rewarding in all the ways that matter most to you. Macquarie employees can access a wide range of benefits which, depending on eligibility criteria, include: <ul><li>1 wellbeing leave day per year</li><li>26 weeks’ paid maternity leave or 20 weeks’ paid parental leave for primary caregivers along with 12 days of paid transition leave upon return to work and 6 weeks’ paid leave for secondary caregivers</li><li>Company-subsidised childcare services</li><li>2 days of paid volunteer leave and donation matching</li><li>Benefits to support your physical, mental and financial wellbeing including comprehensive medical and life insurance cover, the option to join parental medical insurance plan and virtual medical consultations extended to family members</li><li>Access to our Employee Assistance Program, a robust behavioural health network with counselling and coaching services</li><li>Access to a wide range of learning and development opportunities, including reimbursement for professional membership or subscription</li><li>Hybrid and flexible working arrangements, dependent on role</li><li>Reimbursement for work from home equipment </li></ul>About Commodities and Global Markets Commodities and Global Markets is a global business offering capital and financing, risk management, market access, physical execution and logistics solutions to its diverse client base across Commodities, Financial Markets and Asset Finance. Our commitment to diversity, equity and inclusion We are committed to fostering a diverse, equitable and inclusive workplace. We encourage people from all backgrounds to apply and welcome all identities, including race, ethnicity, cultural identity, nationality, gender (including gender identity or expression), age, sexual orientation, marital or partnership status, parental, caregiving or family status, neurodiversity, religion or belief, disability, or socio-economic background. We welcome further discussions on how you can feel included and belong at Macquarie as you progress through our recruitment process. Our aim is to provide reasonable adjustments to individuals who may need support during the recruitment process and through working arrangements. If you require additional assistance, please let us know in the application process.
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Structured Credit Analyst

Company DescriptionGrowthAlly Advisors Private Limited specializes in providing strategic financial advisory services with over 15 years of expertise and a proven track record of empowering 3,000+ corporates. Our experienced team of ex-bankers, industry leaders, and financial specialists deliver customized solutions in areas such as debt syndication, private equity, mergers and acquisitions, and CFO services. Serving industries like hospitality, pharmaceuticals, manufacturing, IT, and more, GrowthAlly prioritizes trust, transparency, and understanding to build long-term partnerships. We are committed to helping businesses grow, scale, and navigate complexities with confidence.Role DescriptionThis is a full-time, on-site role for a Credit Analyst located in Mumbai. The Credit Analyst will be responsible for evaluating customer credit data and financial statements to assess risks and make recommendations. Daily tasks include conducting detailed financial analysis, preparing credit reports, assisting with loan decisions, collaborating with internal teams, and ensuring compliance with corporate credit policies.QualificationsStrong knowledge in Credit Management and Finance practicesProficient Analytical Skills for evaluating financial and credit dataEffective Communication skills, both written and verbal, to liaise with internal teams, clients, and stakeholdersBasic to advanced skills in handling Credit processesProficiency in financial tools and softwareBachelor’s degree in Finance, Accounting, Economics, or a related fieldPrevious experience in credit analysis or a related field is advantageousShow moreShow less

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Company Description GrowthAlly Advisors Private Limited specializes in providing strategic financial advisory services with over 15 years of expertise and a proven track record of empowering 3,000+ corporates. Our experienced team of ex-bankers, industry leaders, and financial specialists deliver customized solutions in areas such as debt syndication, private equity, mergers and acquisitions, and CFO services. Serving industries like hospitality, pharmaceuticals, manufacturing, IT, and more, GrowthAlly prioritizes trust, transparency, and understanding to build long-term partnerships. We are committed to helping businesses grow, scale, and navigate complexities with confidence. Role Description This is a full-time, on-site role for a Credit Analyst located in Mumbai. The Credit Analyst will be responsible for evaluating customer credit data and financial statements to assess risks and make recommendations. Daily tasks include conducting detailed financial analysis, preparing credit reports, assisting with loan decisions, collaborating with internal teams, and ensuring compliance with corporate credit policies. Qualifications <ul><li>Strong knowledge in Credit Management and Finance practices</li><li>Proficient Analytical Skills for evaluating financial and credit data</li><li>Effective Communication skills, both written and verbal, to liaise with internal teams, clients, and stakeholders</li><li>Basic to advanced skills in handling Credit processes</li><li>Proficiency in financial tools and software</li><li>Bachelor’s degree in Finance, Accounting, Economics, or a related field</li><li>Previous experience in credit analysis or a related field is advantageous</li></ul>
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PlainsCapital Bank is seeking motivated individuals to join our Commercial Banking team as aCredit Analystthrough ourCommercial Banking Development Program, a full-time program beginning in Summer 2026.This role offers a unique opportunity to gain hands-on experience while participating in an internal development program designed to prepare you for a long-term career in commercial banking. Through the development program, you will receive structured training and career development across key areas of the bank, positioning you for future roles as a relationship manager, portfolio manager, or continued advancement as a credit analyst. Successful participants in the program typically advance within two to three years, making this an ideal opportunity for individuals seeking a dynamic and rewarding career in commercial banking.During the program, participants work as a Credit Analyst and play a critical role in evaluating the financial health and creditworthiness of commercial clients. This position involves analyzing financial statements, assessing risk, and preparing detailed analyses to support sound lending decisions. As a working Credit Analyst, you will collaborate closely with relationship managers, lending leadership, and credit officers to ensure credit proposals align with the bank’s risk appetite and regulatory standards.ResponsibilitiesAnalyzes financial statements and performance across varying levels of quality to develop an initial assessment, highlighting strengths and potential risk areas in the borrower’s historical operating performance.Prepares written analyses which include:credit investigation of the borrower and guarantors;economic and market conditions impacting the company, its industry, and geographic market;in-depth historical and projected financial and cash flow analysis, including engaging with the borrower’s finance team to clarify accounting practices and ensure accurate interpretation;in-depth analysis of the secondary sources of repayment such as collateral;in-depth analysis of a guarantor’s financial position;identifies strengths and vulnerabilities in the borrower’s financial and operational profile.Maintains a broad understanding of industry and economic trends by gathering and analyzing relevant data from diverse sources—including borrower conversations, market publications, peer bank references, credit agencies, and online research.Attends regular loan committee meetings, serving as a resource for credit analysis insights and responding to inquiries as needed.Participates in customer meetings as requested by officers (may require travel at times).Coordinates the ordering of appraisals and conducts collateral analysis based on appraisal reports provided by third-party vendors. Leverages appraisal data to assess the accuracy and adequacy of collateral values, supporting informed credit decisions and risk management.Periodically reviews loan agreements to monitor covenant compliance, measures covenant performance, and promptly escalates any breaches to the lending team for resolution.Performs annual risk grading of all credit relationships, including renewals, by evaluating financial performance and identifying any deterioration in credit quality. Uses findings to inform loan loss provisioning and support proactive portfolio risk management.Other duties as required.QualificationsBachelor’s degree in Business related field required. Strong preference for Finance or Accounting major or concentration.Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.Excellent verbal, written and interpersonal communication skills.Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.Must be self-motivated with strong initiative, accountability, and attention to detail.Must be able to attend initial training in Dallas, Texas for approximately three weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Commercial Banking Development Program with dates and locations to be announced at the time of training.The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.About UsPlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.To learn more, please visit us online at plainscapital.com/about .Show moreShow less

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 PlainsCapital Bank is seeking motivated individuals to join our Commercial Banking team as a Credit Analyst through our Commercial Banking Development Program, a full-time program beginning in Summer 2026. This role offers a unique opportunity to gain hands-on experience while participating in an internal development program designed to prepare you for a long-term career in commercial banking. Through the development program, you will receive structured training and career development across key areas of the bank, positioning you for future roles as a relationship manager, portfolio manager, or continued advancement as a credit analyst. Successful participants in the program typically advance within two to three years, making this an ideal opportunity for individuals seeking a dynamic and rewarding career in commercial banking. During the program, participants work as a Credit Analyst and play a critical role in evaluating the financial health and creditworthiness of commercial clients. This position involves analyzing financial statements, assessing risk, and preparing detailed analyses to support sound lending decisions. As a working Credit Analyst, you will collaborate closely with relationship managers, lending leadership, and credit officers to ensure credit proposals align with the bank’s risk appetite and regulatory standards. Responsibilities <ul><li>Analyzes financial statements and performance across varying levels of quality to develop an initial assessment, highlighting strengths and potential risk areas in the borrower’s historical operating performance.</li><li>Prepares written analyses which include:</li><ul><li>credit investigation of the borrower and guarantors;</li><li>economic and market conditions impacting the company, its industry, and geographic market;</li><li>in-depth historical and projected financial and cash flow analysis, including engaging with the borrower’s finance team to clarify accounting practices and ensure accurate interpretation; </li><li>in-depth analysis of the secondary sources of repayment such as collateral;</li><li>in-depth analysis of a guarantor’s financial position; </li><li>identifies strengths and vulnerabilities in the borrower’s financial and operational profile. </li></ul><li>Maintains a broad understanding of industry and economic trends by gathering and analyzing relevant data from diverse sources—including borrower conversations, market publications, peer bank references, credit agencies, and online research. </li><li>Attends regular loan committee meetings, serving as a resource for credit analysis insights and responding to inquiries as needed.</li><li>Participates in customer meetings as requested by officers (may require travel at times).</li><li>Coordinates the ordering of appraisals and conducts collateral analysis based on appraisal reports provided by third-party vendors. Leverages appraisal data to assess the accuracy and adequacy of collateral values, supporting informed credit decisions and risk management.</li><li>Periodically reviews loan agreements to monitor covenant compliance, measures covenant performance, and promptly escalates any breaches to the lending team for resolution.</li><li>Performs annual risk grading of all credit relationships, including renewals, by evaluating financial performance and identifying any deterioration in credit quality. Uses findings to inform loan loss provisioning and support proactive portfolio risk management.</li><li>Other duties as required. </li></ul>Qualifications <ul><li>Bachelor’s degree in Business related field required. Strong preference for Finance or Accounting major or concentration.</li><li>Professional experience in financial, credit, or statistical analysis, and/or statement spreading and assessing companies through internships, part-time or full-time work, and/or extracurricular activities preferred.</li><li>Excellent verbal, written and interpersonal communication skills.</li><li>Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.</li><li>Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.</li><li>Must be self-motivated with strong initiative, accountability, and attention to detail.</li><li>Must be able to attend initial training in Dallas, Texas for approximately three weeks (initial training period could change depending on the needs of the program). Travel for subsequent training sessions will also be required throughout the duration of the Commercial Banking Development Program with dates and locations to be announced at the time of training. </li></ul> The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. About Us PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time. Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship. PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances. PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals. To learn more, please visit us online at plainscapital.com/about .
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Credit Analyst – Commercial Banking Development Program

At ServisFirst, Our Name is Our Mission.Duties And ResponsibilitiesTheCredit Analyst Internis responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst uses tools such as financial models, credit reports and key ratios to prepare appraisals which are provided for purposes of loan review and approval, as well as to determine terms of the loan.The Incumbent WillAssist in updating electronic credit files by imaging related loan and financial documentsAssist in conducting financial analysis and underwriting of credit for new loan requests and loan maturitiesContact Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns and financial statementsAssist in determining the strength and/or weakness of the client’s credit to determine the terms of the loanRun reports that show past or current maturities and request necessary informationGenerate and compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries and internal credit administration auditingNote: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.Note: Additional duties and responsibilities may be assignedMinimum QualificationsUndergraduate student majoring in Finance, Accounting, Economics or a related fieldExcellent written and verbal communication skillsExperience using Microsoft Outlook, Word and ExcelExperience in a position requiring attention to detail and data analysisExcellent organizational skills and ability to multi-taskAbility to work independently with little supervisionPhysical Requirements And Environmental ConditionsThe physical requirements and environmental conditions of this position consist primarily of:Sustained standing and sittingFrequent use of PC, including typing or sustained attention to monitorOccasional lifting of basic office files or equipment up to 20 lbsNormal office environment with comfortable internal temperatures and low level noiseEOE/AAShow moreShow less

<div class="show-more-less-html__markup show-more-less-html__markup--clamp-after-5 relative overflow-hidden">
 At ServisFirst, Our Name is Our Mission. Duties And Responsibilities The Credit Analyst Intern is responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst uses tools such as financial models, credit reports and key ratios to prepare appraisals which are provided for purposes of loan review and approval, as well as to determine terms of the loan. The Incumbent Will <ul><li>Assist in updating electronic credit files by imaging related loan and financial documents</li><li>Assist in conducting financial analysis and underwriting of credit for new loan requests and loan maturities</li><li>Contact Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns and financial statements</li><li>Assist in determining the strength and/or weakness of the client’s credit to determine the terms of the loan</li><li>Run reports that show past or current maturities and request necessary information</li><li>Generate and compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries and internal credit administration auditing </li></ul>Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned Minimum Qualifications <ul><li>Undergraduate student majoring in Finance, Accounting, Economics or a related field</li><li>Excellent written and verbal communication skills</li><li>Experience using Microsoft Outlook, Word and Excel</li><li>Experience in a position requiring attention to detail and data analysis</li><li>Excellent organizational skills and ability to multi-task</li><li>Ability to work independently with little supervision </li></ul>Physical Requirements And Environmental Conditions The physical requirements and environmental conditions of this position consist primarily of: <ul><li>Sustained standing and sitting</li><li>Frequent use of PC, including typing or sustained attention to monitor </li><li>Occasional lifting of basic office files or equipment up to 20 lbs</li><li>Normal office environment with comfortable internal temperatures and low level noise </li></ul>EOE/AA
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Summer Internship- Credit Analyst

Job Title
Senior Credit Analyst  Corporates
Job Description
Role
Functional Responsibility / Domain Related
The role would involve supporting S&P primary analysts, based out of North America, EMEA and Asia Pacific regions, to arrive at / monitor credit ratings for issuers across various industries. Analysis would cover surveillance of a portfolio of companies as well as responding to market events that could potentially lead to a change in ratings.
Analyze business performance, including: o Industry dynamics and regulatory trends o Evaluating country and macroeconomic risk o Competitive and market position o Strategy / execution / management of the companies o Trends in profitability and peer comparisons
Analyze financial performance, including: o Understanding accounting standards o Financial governance and policies o Analysis of financial ratios and trends o Liquidity / short-term factors o Understanding the capital structure of companies
Assist the primary analyst(s) in the preparation of in-depth financial models  historical and projections
Prepare comprehensive internal credit research reports and notes covering the aforementioned operational and financial factors.
Assist primary analyst(s) in preparing publishable credit reports  Process Adherence
Focus on review / QC, adding analytical inputs, when required
Create and maintain base level training, process manuals & documentation to ensure smooth execution of tasks
Adopt the defined processes in day to day execution of assignments
Identify process improvement avenues and identify value added work
Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization.
Suggest that trading/holding in shares belonging to a Corporate entity/Infrastructure company is prohibited  Client Management / Stakeholder Management
Build and maintain relationships with S&P team
Set expectations with clients regarding scope of work, timelines for routine tasks  People Development
Provide analytical mentoring to junior members of the team
Implement team-level initiatives
Candidate Profile  Prior experience in analysing company's financial and operational performance is a must  Excellent oral and written communication skills  Sharp analytical thought process  Understanding the key industry risks and competitive forces  Understanding of accounting and financial analysis and concepts  Positive attitude with qualities of a team player  Innovative and solution orientation  Open to new ideas and initiatives  Ability to build client relations and take a view based on client guidance  Ability to deal with pressure Essential Qualifications  Two years full-time MBA (Finance) or equivalent OR CA Preferred Qualifications  Two years full-time MBA (Finance) or equivalent OR CA
Mandatory Skills
Financial ratios forecasting, report writing, Credit Risk Analysis

Job TitleSenior Credit Analyst CorporatesJob DescriptionRoleFunctional Responsibility / Domain Related The role would involve supporting S&P primary analysts, based out of North America, EMEA and Asia Pacific regions, to arrive at / monitor credit ratings for issuers across various industries. Analysis would cover surveillance of a portfolio of companies as well as responding to market events that could potentially lead to a change in ratings. Analyze business performance, including: o Industry dynamics and regulatory trends o Evaluating country and macroeconomic risk o Competitive and market position o Strategy / execution / management of the companies o Trends in profitability and peer comparisons Analyze financial performance, including: o Understanding accounting standards o Financial governance and policies o Analysis of financial ratios and trends o Liquidity / short-term factors o Understanding the capital structure of companies Assist the primary analyst(s) in the preparation of in-depth financial models historical and projections Prepare comprehensive internal credit research reports and notes covering the aforementioned operational and financial factors. Assist primary analyst(s) in preparing publishable credit reports Process Adherence Focus on review / QC, adding analytical inputs, when required Create and maintain base level training, process manuals & documentation to ensure smooth execution of tasks Adopt the defined processes in day to day execution of assignments Identify process improvement avenues and identify value added work Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization. Suggest that trading/holding in shares belonging to a Corporate entity/Infrastructure company is prohibited Client Management / Stakeholder Management Build and maintain relationships with S&P team Set expectations with clients regarding scope of work, timelines for routine tasks People Development Provide analytical mentoring to junior members of the team Implement team-level initiativesCandidate Profile Prior experience in analysing company's financial and operational performance is a must Excellent oral and written communication skills Sharp analytical thought process Understanding the key industry risks and competitive forces Understanding of accounting and financial analysis and concepts Positive attitude with qualities of a team player Innovative and solution orientation Open to new ideas and initiatives Ability to build client relations and take a view based on client guidance Ability to deal with pressure Essential Qualifications Two years full-time MBA (Finance) or equivalent OR CA Preferred Qualifications Two years full-time MBA (Finance) or equivalent OR CAMandatory SkillsFinancial ratios forecasting, report writing, Credit Risk Analysis

Credit Analyst/Senior Credit Analyst - Corporates

We are seeking a highly driven and detail-oriented Credit Analyst to join our Debt Syndication team based in Mumbai. It include analyzing financial statements, reviewing credit reports, preparing detailed credit appraisal notes to support funding .Required Candidate profileMinimum 2 years’ relevant experience in credit appraisal, rating analysis, or debt syndication (SME/Mid-corporate lending )Proficient in financial modelling, ratio analysis, and MS Excel/PowerPoint.

<div class="styles_JDC__dang-inner-html__h0K4t">We are seeking a highly driven and detail-oriented Credit Analyst to join our Debt Syndication team based in Mumbai. It include analyzing financial statements, reviewing credit reports, preparing detailed credit appraisal notes to support funding . Required Candidate profileMinimum 2 years’ relevant experience in credit appraisal, rating analysis, or debt syndication (SME/Mid-corporate lending ) Proficient in financial modelling, ratio analysis, and MS Excel/PowerPoint.</div>

About Commercial Banking Group:
The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc
About the Role:
The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements
Key Responsibilities
Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.)
Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
Conducting review / renewal of accounts
Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.
Qualifications:
Optimal qualification for success on the job is:
Graduates with a good academic background
CAs/Management Graduates/ICWAs will be preferred
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
Good understanding of financial ratios and concepts
Good communication (both verbal and written) skill in both English and the local language

<div>About Commercial Banking Group:The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etcAbout the Role:The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirementsKey Responsibilities<ul><li>Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.)</li><li>Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines</li><li>Conducting review / renewal of accounts</li><li>Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.</li></ul>Qualifications:Optimal qualification for success on the job is:<ul><li>Graduates with a good academic background</li><li>CAs/Management Graduates/ICWAs will be preferred</li></ul>Role Proficiencies:For successful execution of the job, the candidate should possess the following:<ul><li>Good understanding of financial ratios and concepts</li><li>Good communication (both verbal and written) skill in both English and the local language</li></ul></div>

CBG:Credit Analyst - CAMPU

Sr Commercial Credit Analyst QualificationsPOSITION SUMMARY:The Sr Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. They will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to Loan Committee by the lenders, perform annual credit reviews as needed, ensure compliance with the Bank's credit policies and procedures, ensure the timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting.Primary ResponsibilitiesAnalyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)Provides thorough documentation of all financial analysis with via spreadsheets and written credit offering memorandums.Suggests a loan grade after conducting a thorough credit analysis and documentation review.Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information.Provides assigned reports.Performs annual review of loan relationships.Must have 2+ years experience in a bank as a Credit Analyst.For additional information on this opportunity, please contact Brenda Hoek directly at 605.705.4795. Resumes may be confidentially sent to Brenda.hoek@gogpac.com.All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.Show moreShow less

<div class="show-more-less-html__markup show-more-less-html__markup--clamp-after-5 relative overflow-hidden">
Sr Commercial Credit Analyst Qualifications POSITION SUMMARY: The Sr Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. They will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to Loan Committee by the lenders, perform annual credit reviews as needed, ensure compliance with the Bank's credit policies and procedures, ensure the timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting. Primary Responsibilities <ul><li>Analyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.</li><li>Makes recommendations to Loan Officers on the granting or denying of loans and prepares sufficient information (i.e. loan submissions) to document recommendations.</li><li>Identify and interpret trends in financial data. Interpret key financial ratios (e.g. cash flow to debt service, debt-to-equity, etc.)</li><li>Provides thorough documentation of all financial analysis with via spreadsheets and written credit offering memorandums.</li><li>Suggests a loan grade after conducting a thorough credit analysis and documentation review.</li><li>Coordinates specific work tasks within the department in order to ensure the smooth and efficient flow of information.</li><li>Provides assigned reports.</li><li>Performs annual review of loan relationships.</li><li>Must have 2+ years experience in a bank as a Credit Analyst. </li></ul>For additional information on this opportunity, please contact Brenda Hoek directly at 605.705.4795. Resumes may be confidentially sent to Brenda.hoek@gogpac.com. All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time. 
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