Credit Analyst

Intellectual Capital HR Consulting Pvt. Ltd.; Surat; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Analysis specialist in Gujarat to drive strategic credit decisions and risk assessments across corporates and funders.

You will review financial statements, assess liquidity and solvency, and draft memos for funding proposals, ensuring regulatory alignment and ongoing monitoring of facilities.

Qualifications

• Proficient in evaluating financial statements, ratios, and cash flows.
• Ability to assess sectoral risks and industry trends.

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.
• Draft comprehensive credit appraisal notes and proposals for funders, highlighting strengths, risks, mitigants, and structures.
• Present credit cases clearly to funders and address concerns.
• Ensure compliance with local regulations and funding policies.
• Oversee ongoing monitoring of credit facilities, covenant compliance, and early warning signs.

Skills

Credit Analysis

Financial Analysis

Risk Assessment

Covenant Structuring

Credit Memorandum

Stakeholder Communication

Regulatory Compliance

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