Credit - Hybrid Developer

Job Title: Credit Analyst

MAKE AN IMPACT

Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services.

#BEYOURSELFATWORK

Capco has a tolerant, open culture that values diversity, inclusivity, and creativity.

CAREER ADVANCEMENT

With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands.

Job Description

Purpose of the Role & Responsibilities

• Perform credit underwriting and appraisal for corporate/wholesale banking clients, including detailed credit reports
• Prepare end-to-end credit proposals (industry & peer analysis, risk assessment, internal rating, documentation, collateral evaluation)
• Conduct financial analysis (cash flow, working capital, leverage, EV, ratio analysis)
• Evaluate loan structures, including term loans, working capital facilities, and trade finance exposures
• Assess financial & non-financial covenants and monitor compliance
• Analyze collateral/security structures (fund-based & non-fund-based limits)
• Build and review financial models and projections

Required Skills & Experience

• 2–5 years of mandatory experience in Corporate Banking / Wholesale Banking credit roles
• Strong experience in credit appraisal for large corporates / mid-market clients
• Solid understanding of banking products (CC/OD, term loans, BG/LC, etc.)
• Expertise in financial statement analysis, credit risk assessment, and rating frameworks
• Proficiency in financial modelling and forecasting.