Credit Analyst

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Pune seeks a Credit Analyst to analyze client credit data and financial statements to evaluate lending risk. You will assess creditworthiness, review business models, industry and geography, and prepare risk reports for loan committees.

Strong Excel and MS Office skills, plus clear communication, are essential. Prior credit analysis experience is preferred. Responsibilities include tracking regulatory changes and submitting loan analyses to

Qualifications

• Bachelor's degree from a recognized university in India.
• CA and MBA preferred for Credit Analyst role.
• Experience as a Credit Analyst is required or preferred.
• Additional certification may be beneficial.

Responsibilities

• Analyze client's credit data and financial statements to evaluate lending risk.
• Understand business models, industry, geography and assess creditworthiness.
• Examine transaction history and credit history to assess financial status.

Skills

Analytical skills

Communication skills

Time management

Prioritization

Education

Bachelor's degree (India)

CA

MBA

Finance / accounting / risk analysis background

Tools

Microsoft Office

Excel

Job description

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.