Credit Analyst

Reinfin Advisory And Consulting; Hyderabad; On-site; INR 600,000 - 900,000; Full time

Job summary

Reinfin Advisory And Consulting in Hyderabad is seeking a detail-oriented Credit Analyst to join our team. The role involves evaluating loan proposals, preparing credit appraisal notes, coordinating with customers and banks, and ensuring timely loan processing with strong financial analysis skills.

The ideal candidate will have experience with MSME financing, regulatory compliance, and clear communication to manage multiple documents and deadlines.

Qualifications

• Bachelor's degree in Commerce, Finance, Accounting, Business Administration, Economics, or a related field.
• MBA (Finance), CA Inter, CMA, or equivalent qualification is preferred.

Responsibilities

• Credit Assessment & Financial Analysis: Analyze customer financial statements, bank statements, GST returns, income tax returns, and other financial documents.
• Assess the creditworthiness of borrowers and determine loan eligibility based on banking norms.
• Compute loan eligibility using income, cash flow, repayment capacity, FOIR, DSCR, EBITDA, and other financial parameters.
• Identify strengths, risks, and mitigants associated with each loan proposal.
• Credit Documentation: Prepare comprehensive Credit Memos and Detailed Project Reports (DPRs).
• Prepare CMA Data for working capital and term loan proposals.
• Develop Cash Flow Statements, Projected FS, Ratio Analysis, and Fund Flow Statements.
• Coordinate with customers and banks; track application status and respond to queries.
• Documentation & Compliance: Collect, verify, and organize all KYC, financial, legal, and business documents; review incorporation and statutory documents.
• Identify government subsidy schemes and stay updated on MSME policies.
• Process Improvement: Maintain accurate records and MIS reports; ensure compliance with lender requirements.

Skills

Financial analysis

Credit appraisal

Credit memos

DPR preparation

CMA data

Cash flow

MSME financing

GST/Tax knowledge

MS Office

Analytical ability

Communication skills

Time management

Documentation

Loan files

Education

Bachelor's degree

MBA Finance

CA Inter

CMA

Job description

Job Summary

We are seeking a detail-oriented and analytical Credit Analyst to join our team. The ideal candidate will be responsible for evaluating loan proposals, preparing credit appraisal documents, coordinating with customers and financial institutions, and ensuring timely processing of loan applications. The role requires strong financial analysis skills, excellent communication, and a thorough understanding of banking, MSME financing, and government compliance requirements.

Key Responsibilities

Credit Assessment & Financial Analysis

• Analyze customer financial statements, bank statements, GST returns, income tax returns, and other financial documents.
• Assess the creditworthiness of borrowers and determine loan eligibility based on banking norms.
• Compute loan eligibility using income, cash flow, repayment capacity, FOIR, DSCR, EBITDA, and other financial parameters.
• Identify strengths, risks, and mitigants associated with each loan proposal.

Credit Documentation

• Prepare comprehensive Credit Memos (Credit Appraisal Notes) for submission to banks and financial institutions.
• Prepare Detailed Project Reports (DPRs) for new and existing business proposals.
• Prepare CMA Data for working capital and term loan proposals.
• Develop Cash Flow Statements, Projected Financial Statements, Ratio Analysis, and Fund Flow Statements.
• Ensure accuracy and completeness of all credit-related documentation.

Customer & Bank Coordination

• Coordinate with customers for collection of required documents and information.
• Liaise with banks, NBFCs, and financial institutions throughout the loan processing cycle.
• Resolve documentation deficiencies and respond to queries raised by lenders.
• Track application status and provide regular updates to customers.

Documentation & Compliance

• Collect, verify, and organize all KYC, financial, legal, and business documents.
• Review incorporation and statutory documents for completeness and compliance.
• Assist clients in obtaining and registering business-related certifications and registrations, including:
• Udyam Registration
• Labour Licence
• FSSAI Registration
• GST Registration
• Shop & Establishment Registration
• Other applicable statutory registrations

Government Schemes & Subsidies

• Identify suitable Central and State Government subsidy schemes for eligible clients.
• Prepare documentation required for subsidy applications.
• Coordinate with relevant departments and agencies for successful application processing.
• Stay updated with changes in government schemes, MSME policies, and banking guidelines.

Process Improvement

• Maintain accurate records of customer files and loan documentation.
• Ensure compliance with internal policies and lender requirements.
• Support management with MIS reports and portfolio tracking.
• Continuously improve credit evaluation and documentation processes.

Required Qualifications

• Bachelor's degree in Commerce, Finance, Accounting, Business Administration, Economics, or a related field.
• MBA (Finance), CA Inter, CMA, or equivalent qualification is preferred.

Required Skills

• Strong financial statement analysis.
• Credit appraisal and risk assessment.
• Preparation of Credit Memos.
• DPR preparation.
• CMA Data preparation.
• Cash Flow and Financial Projection preparation.
• Working knowledge of banking products and MSME financing.
• Understanding of CGTMSE, Mudra, Stand-Up India, PMEGP, and other government schemes.
• Knowledge of GST, Income Tax, and financial documentation.
• Proficiency in Microsoft Excel, Word, and PowerPoint.
• Excellent analytical and problem-solving abilities.
• Strong communication and interpersonal skills.
• Ability to manage multiple loan files simultaneously and meet deadlines.

Preferred Experience

• 15 years of experience in Banking, NBFCs, Credit Processing, Loan Consultancy, Financial Advisory, or CA Firms.
• Experience in handling MSME, Business, Working Capital, Machinery, Mortgage, and Term Loan proposals.
• Familiarity with banking credit appraisal standards and documentation requirements.

Key Competencies

• Analytical Thinking
• Attention to Detail
• Financial Modelling
• Documentation Accuracy
• Customer Relationship Management
• Coordination & Follow-up
• Time Management
• Report Writing
• Decision-Making
• Professional Integrity

Performance Indicators (KPIs)

• Accuracy and quality of Credit Memos and financial analysis.
• Turnaround time for loan proposal preparation.
• Success rate of loan sanctions.
• Accuracy of financial projections and eligibility calculations.
• Timely collection and verification of documents.
• Customer satisfaction and banker feedback.
• Compliance with documentation and regulatory requirements.