Credit Analyst-Working Capital-Chandigarh-Deputy Manager/Manager

Axis Bank; Chandigarh; On-site; INR 600,000 - 900,000; Full time

Job summary

Axis Bank invites applications for a Credit Analyst in the Commercial Banking Group based at Chandigarh. The role involves evaluating borrower profiles by analyzing markets, financial statements, technical ratios, and management quality, working closely with Relationship Managers to tailor credit solutions.

Key tasks include preparing CAM, drafting notes, assessing credit worthiness, proposing credit structures within policy, and handling renewals while ensuring timely turnaround times.

Qualifications

• Graduates with a good academic background.
• CAs/Management Graduates/ICWAs will be preferred.

Responsibilities

• Prepare CAM and notes (reviews/observations responses).
• Assess credit worthiness and prepare credit proposals within policy.

Skills

Credit analysis

Financial ratios

Professional communication

Education

CA

Management Graduate

ICWA

Job description

About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc

About the Role:

Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements

Key Responsibilities

• Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.)
• Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines
• Conduct review / renewal of accounts
• Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc.

Qualifications:

Optimal qualification for success on the job is:

• Graduates with a good academic background
• CAs/Management Graduates/ICWAs will be preferred

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Good understanding of financial ratios and concepts
• Good communication (both verbal and written) skill in both English and the local language

Note: CA Female and Male with Previous experience as credit analyst in working capital division is accepted(mini 3/ 5 years)

Job location: Chandigarh

Grade :Manager/Sr.Manager.(depending up on the Experience)