Credit Analyst - Financial Institutions

Intellectual Capital HR Consulting Pvt. Ltd.; Pune District; On-site; INR 500,000 - 800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst BFIG Credit in Mumbai to underwrite credit facilities for NBFCs/HFCs and assess securitisation risks. You will prepare appraisal notes, conduct client calls, and provide recommendations to senior approvers on risk matters.

The role requires CA/MBA with 3–4 years of relevant experience, strong accounting standards knowledge, and excellent communication skills for effective stakeholder interactions.

Qualifications

• CA or MBA with 3-4 years relevant segment.

Responsibilities

• Underwrite credit facilities for NBFCs/Housing Finance Companies.
• Assess credit risk of securitisation transactions (PTCs).
• Prepare credit appraisal notes covering business, industry, management and financials.
• Conduct client calls to understand their business model and risk management policies.
• Provide detailed recommendations to senior credit approvers on risk aspects for loans.
• Ensure loans adhere to program, compliance, due diligence and industry requirements.
• Continuously monitor the loan portfolio based on market information and periodic reviews.
• Escalate with action plans for non-compliances.
• Coordinate with internal auditors and make RBI representations to resolve queries.

Skills

Credit underwriting

Credit risk assessment

Financial analysis

Regulatory knowledge

Client communication

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.