Credit Analyst

Intellectual Capital HR Consulting Pvt. Ltd.; Chandigarh; Presencial; INR 350.000 - 650.000; Jornada completa

Descripción de la vacante

Intellectual Capital HR Consulting Pvt. Ltd. invites a Credit Analyst to evaluate client credit data and financial statements to assess lending risk. You will understand business models, industries and geography to assess creditworthiness and prepare risk reports.

Responsibilities include analyzing transaction history, maintaining reports, tracking policy changes, and submitting loan applications with credit analyses to loan committees for approvals.

Formación

• bachelor’s degree from an Indian university is required
• CA or MBA preferred for the Credit Analyst role
• finance/accounting/risk-analysis background is a plus
• proven work experience as a Credit Analyst
• strong communication, analytical and time-management skills
• proficiency in Microsoft Office and financial software

Responsabilidades

• Analyze client credit data and financial statements to assess lending risk
• Understand business models, industry and geography to evaluate creditworthiness
• Examine transaction history and client credit history
• Prepare reports on risk levels for lending decisions
• Track legislation and government policies affecting credit
• Fill and submit loan applications with credit analysis to committees

Conocimientos

Strong communication

Analytical

Time management

Prioritization

Excel

MS Office

Reporting

Educación

Bachelor's degree (any recognized university in India)

CA preferred

MBA preferred

Finance/Accounting/risk analysis related degree

Herramientas

Microsoft Office

Advanced Excel

Financial software

Descripción del empleo

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.