Credit Analyst - Financial Institutions

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Analyst BFIG Credit in Mumbai to perform credit risk underwriting for NBFCs/Housing Finance Companies and to assess securitisation transactions (PTCs).

You will prepare appraisal notes and conduct client calls to understand business models and risk management practices. The role requires CA or MBA with 3–4 years’ relevant experience, strong accounting and regulatory knowledge, and excellent communication and presentation skills.

Qualifications

• 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.

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 detailed analysis of business, industry 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

Skills

Credit risk underwriting

Credit risk assessment

Credit appraisal notes

Client calls

Risk recommendations

Compliance monitoring

Audit coordination

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.