Credit & Underwriting Analyst

About the job

Job Designation - Credit & Underwriting Analyst – Working Capital & Trade Finance Location: India (Graystone Capital – India Office) Coverage: GCC & Asia Markets Employment Type: Full-Time Role Overview The Credit & Underwriting Analyst – Working Capital & Trade Finance will be responsible for preparing Credit Appraisal Memoranda (CAMs) and conducting detailed credit underwriting for working capital and trade finance proposals across GCC and Asia markets. Key Responsibilities Credit Appraisal & Underwriting • Prepare detailed Credit Appraisal Memoranda (CAMs) for: • Working capital facilities • Trade finance instruments (LCs, BGs, SBLCs, structured trade finance) • Analyze financial statements, cash flows, leverage, liquidity, and repayment capacity • Conduct industry, sector, and business risk assessments • Evaluate borrower creditworthiness and sustainability Facility Structuring & Risk Assessment • Assist in structuring credit facilities in line with: • Client requirements • Bank credit policies • GCC and Asia market practices • Identify key credit risks and propose appropriate mitigants • Review collateral, security, and guarantee structures Documentation & Bank Coordination • Prepare lender-ready credit notes and summaries • Support advisory teams in responding to bank credit queries • Assist in reviewing transaction documentation from a credit risk perspective Internal Collaboration • Work closely with origination, advisory, and regional execution teams • Ensure seamless handover of credit-approved proposals for execution Candidate Profile Education & Experience • Bachelor’s degree in Finance, Accounting, Economics, or Business • MBA / CA / CFA (Level I or above) is an advantage Skills & Competencies • Strong understanding of working capital and trade finance products • Ability to independently prepare CAMs and underwriting notes • Strong financial analysis and ratio interpretation skills • High attention to detail and structured documentation skills • Good written communication and coordination abilities Technical Skills • Advanced proficiency in Microsoft Excel and PowerPoint • Experience with financial models and credit appraisal templates • Familiarity with banking credit policies and underwriting frameworks What We Offer • Exposure to GCC & Asia corporate banking transactions • Hands-on experience in working capital and trade finance underwriting • Structured career progression in credit, underwriting, and banking advisory • Opportunity to work with experienced professionals across regions How to Apply Interested candidates may apply via LinkedIn or share their updated CVs at: jobs@graystonefs.com | s.a@graystonefs.com | elisa@graystonefs.com | Please mention “Credit & Underwriting Analyst – Working Capital & Trade Finance” in the subject line of your email.

Requirements

• Credit analysis
• Corporate banking
• Trade finance underwriting
• Financial modeling
• Credit risk assessment

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or Business
• MBA / CA / CFA (Level I or above)

Preferred Technologies

• Credit analysis
• Corporate banking
• Trade finance underwriting
• Financial modeling
• Credit risk assessment

Benefits

• Structured career progression
• Exposure to corporate banking transactions
• Hands-on experience in trade finance underwriting

About the company

Graystone Capital is a Singapore-headquartered financial advisory and corporate finance firm specializing in corporate banking advisory, working capital solutions, trade finance, and structured financing. The firm advises SMEs, mid-sized corporates, and large enterprises across the GCC and Asia, supporting them in optimizing liquidity, strengthening cash flows, and executing growth strategies.