Commercial Banking Credit Analyst

Functional Skills

Functional Skills are essential skills that help individuals perform tasks effectively in everyday life, work, and education.

Financial Statement Analysis

Credit Risk Assessment

Financial Modeling

Loan Structuring

Industry Knowledge

Regulatory Compliance

Negotiation Skills

Documentation and Reporting

Relationship Management

Credit Analysis Software Proficiency

Soft Skills

Communication, teamwork, and critical thinking to ensure seamless project execution.

Analytical Skills

Communication Skills

Problem-Solving Skills

Attention to Detail

Time Management

Teamwork and Collaboration

Adaptability

Ethical Judgment

Technical Skills

Technical Skills are specialized abilities and knowledge needed to perform specific tasks or functions.

Financial Statement Analysis

Credit Risk Assessment

Financial Modeling

Industry Knowledge

Loan Structuring

Regulatory Compliance

Communication Skills

Data Analysis

Negotiation Skills

Problem-Solving

Accounting Principles

Spreadsheet Software (e.g., Excel)

Duties and Responsiblities

Task

95%

Analyzing financial statements to assess creditworthiness of loan applicants in the Indian commercial banking sector.

90%

Preparing detailed credit risk assessment reports and presenting findings to senior management.

85%

Monitoring loan portfolios to identify potential risks and ensure compliance with regulatory guidelines in India.

80%

Evaluating collateral and security offered by loan applicants to determine loan viability.

75%

Conducting industry research and market analysis to understand the business environment of loan applicants.

70%

Interacting with clients to gather necessary financial information and address queries related to loan applications.

65%

Ensuring adherence to internal credit policies and procedures while processing loan applications.

60%

Staying updated with changes in banking regulations and economic trends impacting credit risk in India.

55%

Participating in credit review meetings to discuss and resolve complex credit-related issues.

Work Activities

95%

Analyzing balance sheets and income statements to assess creditworthiness.

92%

Evaluating the risk of default for loan applicants.

90%

Designing loan terms and conditions to mitigate risk.

88%

Conducting research on various industries to understand market trends.

85%

Preparing detailed credit memos for loan approval.

82%

Monitoring loan portfolios to identify potential issues.

80%

Interacting with clients to gather financial information.

78%

Ensuring compliance with banking regulations.

75%

Assigning risk grades to loans based on credit quality.

72%

Reviewing loan documentation for accuracy and completeness.

70%

Analyzing market conditions to assess the impact on borrowers.

68%

Creating financial models to project future performance.

Detailed Work Profile

Analyze financial statements of businesses to assess creditworthiness.

Prepare detailed credit risk assessments and present findings to loan committees.

Evaluate loan applications and make recommendations on loan structuring.

Monitor loan portfolios for potential risks and compliance issues.

Conduct industry research to understand market trends and their impact on borrowers.

Collaborate with relationship managers to develop and maintain client relationships.

Ensure compliance with banking regulations and internal credit policies.

Review legal documentation related to loan agreements.

Stay updated on economic conditions and their potential impact on credit risk.

Participate in client meetings to understand their financial needs and business operations.

Develop financial models to project future performance of borrowers.

Manage and mitigate risks associated with commercial lending activities.

Interests