Credit Analyst NAC

Intellectual Capital HR Consulting Pvt. Ltd.; Lucknow; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst in Lucknow to support credit underwriting for SME and large corporate clients. The role involves preparing appraisal notes, negotiating terms, and gathering required information for CRANs.

You will monitor portfolios, compile periodic reports, visit client units, and escalate risk issues with remediation plans. Strong Excel skills and communication are essential.

Qualifications

• Experience required in Credit Underwriting for SME/ Large Corporate.
• Working knowledge of Excel for preparation of Financial Models.
• Experience in Project Finance and / or Infra sector credit analysis would be preferred (not mandatory).
• CA/ MBA/ CFA
• Good verbal, written communication & presentation skills.

Responsibilities

• Prepare Credit Appraisal notes for SME/Large Corporate.
• Discuss Terms and Conditions for risk assessments with business.
• Obtain information for CRANs from customers.
• Monitor accounts per Sanctioning Authority terms.
• Prepare Monthly/Quarterly Monitoring Reports for portfolio.
• Escalate with action plans for non compliances.
• Visit units and submit inspection reports.
• Address escalations related to risk assessments.

Skills

Credit underwriting

Financial modeling

Verbal communication

Written communication

Presentation skills

Education

CA/MBA/CFA

Tools

Excel

Job description

Job Information

Role: Credit Analyst

Segment: Large Corporate

Sub Segment: NAC

Job Role

• Preparation of Credit Appraisal notes for SME/ Large Corporate.
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtention of information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by the Sanctioning Authority.
• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
• Escalate with an action plan for non compliances.
• Visit the units and submit inspection reports.
• Manage and address any escalations related to risk assessments

Job Requirements

• Experience required in Credit Underwriting for SME/ Large Corporate.
• Working knowledge of Excel for preparation of Financial Models
• Experience in Project Finance and / or Infra sector credit analysis would be preferred (not mandatory).
• CA/ MBA/ CFA
• Good verbal, written communication & presentation skills.