Credit Analyst - Financial Institutions

Intellectual Capital HR Consulting Pvt. Ltd.; Kolkata District; In loco; INR 600.000 - 900.000; Tempo pieno

Descrizione del lavoro

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

You will prepare detailed credit appraisal notes, analyze business, industry and financials, and engage with clients to understand risk policies. The role requires CA or MBA with 3–4 years of relevant experience, strong accounting and communication skills, and ability to present assessments to senior credit approvers.

Competenze

• CA or MBA with 3–4 years of relevant experience.
• Good understanding of Accounting Standards and balance sheet analysis.
• Knowledge of RBI regulations, SEBI and other statutory requirements.
• Strong verbal, written communication and presentation skills.

Mansioni

• Underwrite credit risk for facilities to NBFCs and HFCs.
• Assess credit risk of securitisation transactions (PTCs).
• Prepare credit appraisal notes analyzing business, industry, management and financials.
• Conduct client calls to understand business models and risk policies.
• Provide detailed recommendations to senior credit approvers on risk aspects and assessments for loans.
• Ensure loans meet program, compliance, due diligence and industry requirements.
• Monitor loan portfolio credit performance with market information and periodic reviews.
• Escalate non-compliances with action plans.
• Coordinate with internal auditors and RBI for audit queries.

Conoscenze

Credit risk underwriting

Accounting standards

Balance sheet analysis

Analytical thinking

Communication skills

Presentation skills

Formazione

CA or MBA

Strumenti

Excel

Descrizione del lavoro

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.