Credit Analyst SME

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for a Credit Analyst role to assess SME and large corporate credit proposals. You will prepare credit appraisal notes, discuss terms with businesses, and gather information for CRANs, ensuring risk is properly analyzed.

The position requires experience in credit underwriting for SME/large corporate, strong Excel skills for financial modeling, and good verbal and written communication with the ability to present findings clearly.

Qualifications

• Experience in credit underwriting for SME/ Large Corporate.
• Proficiency in Excel for financial modeling.
• Experience in Project Finance and/ or Infra sector credit analysis preferred.
• CA/MBA/CFA certification.
• Strong 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 preparation of CRANs from customers.
• Monitor accounts based on sanctions.
• Prepare Monthly/Quarterly Monitoring Reports for portfolio.
• Escalate with an action plan for non compliances.
• Visit units and submit inspection reports.
• Address escalations related to risk assessments.

Skills

Credit underwriting

Financial modeling

Presentation skills

Communication skills

Project finance knowledge

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.