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

Axis Bank; Madurai District; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Axis Bank in Madurai requires a Credit Analyst to evaluate borrower creditworthiness, analyze markets and financial statements, and support relationship managers with tailored solutions within credit policy guidelines. The role emphasizes timely appraisal, renewal of accounts, and effective communication with the risk team.

The candidate should have a strong grasp of financial ratios, be fluent in English and the local language, and hold relevant qualifications.

Qualifications

• Understanding of financial ratios and concepts.
• Strong written and spoken English and local language communication.

Responsibilities

• Prepare CAM and notes including risk observations responses.
• Assess credit worthiness and prepare credit proposals.
• Conduct account reviews/renewals and ensure timely completions.

Skills

Financial ratio analysis

Communication skills

Education

Graduates

CA/Management Graduate/ICWA preferred

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:

• 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: Madurai

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