Credit Analyst SME

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 600,000 - 800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Kerala, India, is seeking a Credit Analyst to prepare credit appraisal notes for SME and Large Corporate segments and discuss terms with the business for risk assessments.

The role requires strong Excel-based financial modeling, with project finance/infra sector analysis preferred but not mandatory, along with excellent verbal, written, and presentation skills. Some site visits may be required.

Qualifications

• Experience in credit underwriting for SME and Large Corporate.
• Proficient in Excel for financial models.
• Experience in Project Finance or Infra sector credit analysis preferred but not mandatory.
• CA/MBA/CFA designation required.
• Good verbal, written communication and presentation skills.

Responsibilities

• Prepare credit appraisal notes for SME/ Large Corporate.
• Discuss terms and conditions for risk assessments with business teams.
• Gather information from customers for CRAN preparation.
• Monitor accounts per sanctioning authority terms.
• Prepare monthly/quarterly monitoring reports for the portfolio.
• Escalate with action plans for non-compliances.
• Visit units and submit inspection reports.
• Manage and address escalations related to risk assessments.

Skills

Credit underwriting

Verbal communication

Written communication

Presentation skills

Education

CA / MBA / CFA

Tools

Excel

Job description

Job Information:

Role: Credit Analyst

Segment: SME/ Large Corporate

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.