Credit Analyst

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for a Credit Analyst role in India. The position focuses on evaluating corporate creditworthiness, analyzing financial statements, and structuring covenants to mitigate risk while maintaining compliance with regulations.

The role requires coordinating with funders and corporates, presenting clear business cases, and supporting funding decisions with robust analyses and monitoring of facilities.

Qualifications

• Ability to analyze financial statements, balance sheets, P&L, and cash flow to assess corporate health.
• Evaluate creditworthiness using leverage, liquidity, profitability, and solvency metrics.
• Draft and present credit recommendations with mitigants and covenant considerations.

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.
• Review financial statements and ratios to assess credit risk and inform decisions.
• Develop covenants and monitoring mechanisms to mitigate credit risk.
• Prepare credit memos and present cases to funders with clear rationale.

Skills

Financial Analysis

Risk Assessment

Credit Policies

Stakeholder Communication

Tools

MS Excel

PowerPoint

Job description

Role: Credit Analysis

Roles and Responsibilities:

• 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.

1. 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