Credit Analyst-Working Capital Hyderabad -Manager/ Sr.Manager

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

Job summary

Axis Bank's Commercial Banking Group in Hyderabad seeks a Credit Analyst to evaluate proposals, analyze market and financial statements, and prepare credit notes. The role collaborates with Relationship Managers to understand client needs and ensure compliance with credit policy.

Candidates with CA, ICWA, or management qualifications and strong financial analysis and English/local language communication will be preferred.

Qualifications

• Graduates with a good academic background.
• CA / Management Graduates / ICWA preferred.

Responsibilities

• Prepare CAM and notes in reply to observations from Risk.
• Assess credit worthiness and prepare credit proposals.
• Conduct account reviews/renewals.
• Maintain acceptable turnaround time for tasks like rating, appraisal notes, renewals.

Skills

Financial analysis

Credit assessment

Verbal & written communication

Education

CA

MBA

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: Hyderabad

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