Credit Analyst - Financial Institutions

Intellectual Capital HR Consulting Pvt. Ltd.; Surat; Presencial; INR 900 000 - 1 800 000; Tempo integral

Resumo da oferta

Intellectual Capital HR Consulting Pvt. Ltd. invites a Credit Analyst BFIG Credit to join Mumbai-based operations.

The role focuses on underwriting credit facilities for NBFCs and Housing Finance Companies, plus risk assessment for securitisation deals and detailed credit appraisal notes. You will engage with clients to understand their business models, contribute to risk-based recommendations for senior approvers, and monitor portfolio performance to ensure compliance with RBI and other

Qualificações

• CA or MBA with 3-4 years in credit risk or underwriting.
• Good understanding of Accounting Standards and balance sheet analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Strong verbal and written communication and presentation skills.

Responsabilidades

• Underwrite credit facilities to NBFCs and housing finance companies.
• Assess credit risk for securitisation transactions (PTCs).
• Prepare credit appraisal notes with detailed business, industry and financial analysis.
• Conduct client calls to understand business models and risk policies.
• Provide recommendations to senior credit approvers on risk and loan assessments.
• Ensure loans meet program, compliance, due diligence and industry requirements.
• Continuously monitor loan portfolio and escalate non-compliances with action plans.
• Coordinate with internal auditors and assist RBI queries.

Conhecimentos

Credit underwriting

Credit risk assessment

Financial analysis

Industry analysis

Communication skills

Formação académica

CA

MBA

Descrição da oferta de emprego

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.