Credit Analyst

Intellectual Capital HR Consulting Pvt. Ltd.; Kolkata District; In loco; INR 450.000 - 750.000; Tempo pieno

Descrizione del lavoro

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Analyst to drive credit assessment and risk evaluation for corporate funding decisions in Kolkata.

You will establish policies, analyze financial statements, and prepare credit memos for funders. The role emphasizes covenant structuring, sectoral insight, and ongoing monitoring of facilities. You will engage with corporates and lenders, articulate financial risk through clear business cases, and ensure regulatory compliance while

Competenze

• Strong financial statement analysis and interpretation skills.
• Ability to assess credit risk using leverage, liquidity, profitability metrics.
• Experience drafting credit memorandums and presenting to funders.
• Ability to build and manage relationships with funders and corporates.
• Knowledge of regulatory requirements and covenant structures.
• Experience monitoring credit facilities and covenant compliance.

Mansioni

• 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 understanding credit profiles.
• Review and analyze financial statements, balance sheets, profit & loss accounts, and cash flow statements.
• Evaluate creditworthiness based on key metrics such as leverage, liquidity, profitability, and solvency.
• Study industry trends, market conditions, and sectoral risks affecting the corporates under review.
• Develop appropriate financial covenants and monitoring mechanisms to mitigate credit risk.
• Draft comprehensive credit appraisal notes and proposals for funders.
• Clearly present and explain credit cases to funders, addressing their concerns.
• Ensure that credit analysis complies with local regulations and funding institution policies.
• Oversee periodic reviews of credit facilities, monitoring performance, covenant compliance, and early warning signs.

Conoscenze

Financial Statement Analysis

Credit Risk Assessment

Sectoral Insights

Covenant Structuring

Credit Memorandum Preparation

Stakeholder Communication

Regulatory Compliance

Ongoing Monitoring

Descrizione del lavoro

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