Credit Analyst

Intellectual Capital HR Consulting Pvt. Ltd.; Ahmedabad District; On-site; INR 600,000 - 900,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst to evaluate client creditworthiness by analyzing financial data, business models, and sector risk in the Indian market.

You will prepare reports, monitor regulatory changes, and assist loan committees with credit recommendations. Requires a bachelor’s degree in India, plus experience as a Credit Analyst; CA/MBA and advanced Excel skills are preferred.

Qualifications

• Bachelor's degree from a recognized Indian university.
• CA or MBA is preferred for this Credit Analyst role.
• Finance/Accounting degree or related fields aid risk assessment.
• Proven working experience as a Credit Analyst.
• Industry and product knowledge is a plus.
• Additional certification may be required and strong communication is essential.
• Strong analytical and time-management skills are required.
• Proficiency in Microsoft Office or other financial software; Advanced Excel.

Responsibilities

• Analyze client credit data and financial statements to assess risk.
• Understand business models, industry, and geography for creditworthiness.
• Examine client transaction history and credit history.
• Create reports detailing risk of lending to clients.
• Track legislation and government policies affecting credit.
• Prepare loan applications with credit analysis for loan committees.

Skills

Analytical skills

Written & Verbal communication

Time management

Prioritization

Advanced Excel

Financial analysis

Risk assessment

MS Office

Education

Bachelor's degree (India)

CA or MBA preferred

Finance/Accounting degree

Relevant certifications

Tools

Microsoft Office

Financial software

Financial modeling tools

Job description

Position:CreditAnalyst

Grade: Depends

Roles & Responsibilities :

• 1. Analyzing: TheCreditAnalysts are responsible for analyzing the client'sCreditdata and financial statements in order to evaluate the degree of risk involved in lending money to them.
• 2. Understand: Business Model and risk associated with a particular business, Industry and geography. Assessing theCreditworthiness of existing or new clients is one of the most essential duties of a working capitalCreditAnalyst.
• 3. Transaction History:CreditAnalysts need to examine a client's financial transactions andCredithistory to know more about their financial status.
• 4. Reporting: They are responsible for creating reports about the degree of risk involved in lending money to clients.
• 5. Tracking: ACreditAnalyst's duty involves tracking of legislation and government policies to stay updated with the latest laws.
• 6. Application: Fill out the application and include theCreditanalysis for requesting a loan orCreditis also a duty of aCreditAnalyst. Then submitting these loan applications to loan committees for their approval.

Qualifications Needed :

• 1. The candidate must have a bachelor's degree from any recognized University in India.
• 2. Banks give preference to CA and MBA forCreditAnalystrole
• 3. It will be a plus if an individual has a Bachelor's degree in finance, accounting, or other related fields like ratio analysis, statistics, economics, calculus, financial statement analysis, and risk assessment. Because these subjects are necessary for aCreditAnalystto perform the risk assessment process.
• 4. Proven working experience as aCreditAnalyst
• 5. Particular Product and Industry experience
• 6. Additional certification may be required.
• 7. Strong communication skills (Written as well as Verbal).
• 8. Excellent managerial, Analytical, and time-management skills.
• 9. Ability to prioritize tasks.
• 10. Proficient in Microsoft Office or other financial software.
• 11. Advanced Excel skills.