Credit Analyst

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Analyst to lead credit assessments and risk evaluation for corporate clients.

You will establish assessment policies, analyze financial statements, and prepare memos for funders. The role includes covenant design, monitoring, and clear communication with stakeholders, ensuring regulatory compliance and sound credit decisions. Collaborate with relationship teams to understand funding needs and present concise risk analyses for

Qualifications

• Experience in credit risk analysis and financial statement review.
• Ability to draft credit memos and present to funders.
• Familiarity with covenants and regulatory guidelines.

Responsibilities

• Establish and implement credit assessment policies, frameworks, and guidelines.
• Advise management on risk-related issues and funding decisions.
• Build and maintain relationships with funders, corporates, and stakeholders.
• Act as a bridge between corporates and funders for better understanding of credit profiles.
• Review financial statements to assess the financial health of corporates.
• Evaluate creditworthiness using leverage, liquidity, profitability, and solvency.
• Study sector trends, market conditions, and sectoral risks.
• Develop covenants and monitoring mechanisms to mitigate credit risk.
• Draft comprehensive credit memoranda and proposals for funders.
• Present credit cases clearly to funders and address concerns.
• Ensure regulatory adherence and ongoing monitoring of facilities.

Skills

Credit risk assessment

Financial statement analysis

Covenant structuring

Sectoral insights

Credit memorandum preparation

Stakeholder communication

Regulatory compliance

Ongoing monitoring

Job description

Role: Credit Analysis

Roles and Responsibilities:
Strategic Decision-Making:

• Establish and implement credit assessment policies, frameworks, and guidelines.
• Advise management on risk-related issues and funding decisions.

Relationship Management:

• Build and maintain relationships with funders, corporates, and stakeholders.

Act as a bridge between corporates and funders for better understanding of credit profiles.

Credit Analysis:

1. Financial Statement Analysis:

• Review and analyze financial statements, balance sheets, profit & loss accounts, and cash flow statements to assess the financial health of corporates.

1. Risk Assessment:

• Evaluate creditworthiness based on key metrics such as leverage, liquidity, profitability, and solvency.
• Identify and quantify risks associated with transactions.

1. Sectoral Insights:

• Study industry trends, market conditions, and sectoral risks affecting the corporates under review.

1. Covenant Structuring:

• Develop appropriate financial covenants and monitoring mechanisms to mitigate credit risk.
  Funding Presentation:

1. Credit Memorandum Preparation:

• Draft comprehensive credit appraisal notes and proposals for funders.
• Highlight key strengths, risks, mitigants, and transaction structures.

1. Stakeholder Communication:

• Clearly present and explain credit cases to funders, addressing their concerns.

Compliance and Monitoring:

1. Regulatory Adherence:

• Ensure that credit analysis complies with local regulations and funding institution policies.

1. Ongoing Monitoring:

• Oversee periodic reviews of credit facilities, monitoring performance, covenant compliance, and early warning signs.

This role requires a combination of technical financial skills, risk management acumen, and the ability to articulate business cases effectively