Credit Analyst - Financial Institutions

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai is seeking a skilled Credit Analyst for BFIG Credit to underwrite credit facilities for NBFCs/HFCs and assess securitisation risks.

You will prepare credit appraisal notes covering business, industry, management and financials, and conduct client calls to understand their risk policies. The ideal candidate has CA or MBA with 3–4 years of experience, strong accounting knowledge, and excellent communication and presentation skills.

Qualifications

• CA or MBA with 3–4 years of relevant experience.
• Strong knowledge of RBI regulations, SEBI and other statutory bodies.
• Excellent verbal, written communication and presentation skills.
• Good understanding of accounting standards and financial statement analysis.

Responsibilities

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs).
• Preparation of credit appraisal notes covering business, industry, management and financials.
• Client calls to understand their business model and risk management policies.
• Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
• Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
• Escalate with action plan for non-compliances
• Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Skills

Accounting standards

Balance sheet analysis

RBI & SEBI rules

Verbal & written comms

Education

CA

MBA

Job description

Credit Analyst BFIG Credit

Location: Mumbai

Job Role

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs)
• Preparation of credit appraisal notes covering detailed analysis of business, industry, management and financials.
• Doing client calls to understand their business model and risk management policies.
• Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
• Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
• Escalate with action plan for non-compliances
• Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Job Requirements -

CA / MBA with at least 3-4 yrs relevant segment.

• Good understanding of Accounting Standards, Balance Sheet Analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Good interaction and communication ability.
• Excellent verbal, written communication & presentation skills.