Credit Analyst-Working Capital/Manager-Hyderabad

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

Job summary

Axis Bank, Hyderabad, is seeking a Credit Analyst in the Commercial Banking Group. The role focuses on evaluating loan proposals by analyzing market trends, financial statements, and borrower risk to support relationship managers.

Responsibilities include preparing CAMs and notes, assessing creditworthiness, conducting reviews and renewals, and ensuring timely task completion within credit policy. Strong knowledge of financial ratios and good communication in English and local language are

Qualifications

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

Responsibilities

• Prepare CAMs and notes, handling risk observations from the Risk department.
• Assess credit worthiness and prepare credit proposals within product and policy guidelines.
• Conduct review and renewal of accounts.
• Maintain acceptable turnaround time for tasks such as rating and appraisal notes.

Skills

Financial ratios

Credit analysis

Communication skills

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 Immediate joiner Only or Previous experience as credit analyst in working capital division is accepted(mini 5 years)

Job location: Hyderabad

Grade :Manager.