Credit Analyst

Careernet; Bengaluru; Hybrid; INR 600,000 - 1,200,000; Full time

Job summary

Careernet in Bengaluru is seeking a capable Credit Analyst to assess borrower financials, evaluate repayment capacity, and determine overall creditworthiness. You will prepare CAMs, support underwriting recommendations, and coordinate with internal teams to ensure complete, decision-ready credit files.

Join a team focused on rigorous credit analysis, accurate reporting, and collaborative decision-making to drive sound lending outcomes in a dynamic market.

Qualifications

• 2+ years of credit analysis experience.
• Experience in lending or financial services environments for credit analysis.
• Understanding of credit underwriting and credit appraisal processes.
• Ability to prepare CAMs and credit-related reporting.
• Strong financial statement review and risk assessment capability.

Responsibilities

• Analyze borrower financials, repayment capacity, and overall creditworthiness.
• Prepare credit appraisal notes and support underwriting recommendations.
• Draft and maintain CAMs and related reporting.
• Review supporting documents and assess risk factors for lending decisions.
• Coordinate with internal teams to ensure credit files are complete and decision-ready.

Skills

Credit analysis

Credit Operations

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Job description

Key Skills:

Credit analysis, Credit Operations

Roles and Responsibilities:

• Analyze borrower financials, repayment capacity, and overall creditworthiness.
• Prepare credit appraisal notes and support underwriting recommendations.
• Draft and maintain Credit Appraisal Memorandums (CAMs) and related reporting.
• Review supporting documents and assess risk factors for lending decisions.
• Coordinate with internal teams to ensure credit files are complete and decision-ready.

Skills Required:

• 2+ years of relevant credit analysis experience.
• Credit analysis experience in lending or financial services environments.
• Understanding of credit underwriting and credit appraisal processes.
• Ability to prepare CAMs and credit-related reporting.
• Strong financial statement review and risk assessment capability.

Good to Have:

• Credit underwriting
• Credit appraisal
• CAM reporting

Education:

Bachelor's degree in Finance, Accounting, Economics, or a related field.