Credit Analyst SME

Intellectual Capital HR Consulting Pvt. Ltd.; Lucknow; On-site; INR 600,000 - 900,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Lucknow, UP is seeking a Credit Analyst to prepare credit appraisal notes for SME and large corporate clients.

You will discuss terms and conditions with the business, gather required information for CRANs, and monitor accounts per sanctioning authority requirements. The role requires experience in credit underwriting for SME/large corporate segments, strong Excel skills for financial modeling, and familiarity with project finance or infra sector

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).

Responsibilities

• Prepare Credit Appraisal notes for SME/ Large Corporate.
• Discuss terms and conditions for risk assessments with the business.
• Obtain information from customers for preparation of CRANs.
• Monitor 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

Skills

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.