Credit Analyst - Financial Institutions

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is hiring a Credit Analyst BFIG Credit in Mumbai to perform credit risk underwriting of facilities to NBFCs/HFCs and assess securitisation transactions.

The role involves preparing credit appraisal notes, engaging with clients to understand their business and risk policies, and providing recommendations to senior approvers. You will monitor credit quality and ensure regulatory compliance.

Qualifications

• CA / MBA with at least 3-4 yrs relevant segment.
• Strong knowledge of accounting standards and balance sheets.
• Familiarity with RBI and SEBI regulations.
• Excellent verbal and written communication.

Responsibilities

• Credit risk underwriting of credit facilities to NBFCs/HFCs.
• Credit risk assessment of securitisation transactions (PTCs).
• Prepare credit appraisal notes with business, industry, management and financial analysis.
• Conduct client calls to understand business models and risk policies.
• Provide detailed recommendations to senior credit approvers on risk.
• Ensure loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of loan portfolio.
• Escalate with action plan for non-compliances.
• Coordinate with internal auditors and RBI for queries.

Skills

Accounting standards

Balance sheet analysis

RBI regulations

SEBI regulations

Communication skills

Presentation skills

Education

CA / MBA with 3-4 years experience

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.