Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Ahmedabad District; On-site; INR 400,000 - 700,000; Full time

Benefits offered by this job

Restaurant discount

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst in Ahmedabad to assess credit risk for SME clients. You will analyze client data and financial statements to evaluate risk and prepare notes for lending decisions.

The role requires strong Excel and MS Office skills, good written and verbal communication, and ability to track regulatory changes and market developments affecting creditworthiness.

Qualifications

• Bachelor’s degree from a recognized University in India.
• CA and MBA preferred for Credit Analyst role.
• Finance, accounting, or related degrees with knowledge in ratio analysis, statistics, economics, etc.
• Proven working experience as a Credit Analyst.
• Additional certification may be required.
• Strong written and verbal communication.
• Excellent managerial, analytical, and time-management skills.
• Ability to prioritize tasks.

Responsibilities

• Analyzing client credit data and financial statements to evaluate risk.
• Understand business model, industry, and geography to assess creditworthiness.
• Examine a client's transaction history and credit history to determine financial status.
• Create reports on the degree of risk involved in lending money to clients.
• Track legislation and government policies to stay updated with relevant credit laws.
• Fill out credit analysis and loan applications for loan committees' approval.

Skills

Analytical skills

Communication skills

Time management

Prioritization

Proactive learning

Education

Bachelor's degree (any recognized University in India)

CA and MBA preferred for Credit Analyst role

Finance/Accounting related degree (ratio analysis, statistics, economics)

Proven working experience as a Credit Analyst

Additional certification may be required

Tools

Microsoft Office

Excel

Job description

Role & responsibilities

Roles & Responsibilities :

Good writing and analytical skills forCreditRisk Assessment Note writing for corporate SME customers

• 1. Analyzing: TheCreditAnalysts are responsible for analyzing the client'sCreditdata and financial statements in order to evaluate the degree of risk involved in lending money to them.
• 2. Understand: Business Model and risk associated with a particular business, Industry and geography. Assessing theCreditworthiness of existing or new clients is one of the most essential duties of a working capitalCreditAnalyst.
• 3. Transaction History:CreditAnalysts need to examine a client's financial transactions andCredithistory to know more about their financial status.
• 4. Reporting: They are responsible for creating reports about the degree of risk involved in lending money to clients.
• 5. Tracking: ACreditAnalyst's duty involves tracking of legislation and government policies to stay updated with the latest laws.
• 6. Application: Fill out the application and include theCreditanalysis for requesting a loan orCreditis also a duty of aCreditAnalyst. Then submitting these loan applications to loan committees for their approval.

Qualifications Needed :

• 1. The candidate must have a bachelor's degree from any recognized University in India.
• 2. Banks give preference to CA and MBA forCreditAnalystrole
• 3. It will be a plus if an individual has a Bachelor's degree in finance, accounting, or other related fields like ratio analysis, statistics, economics, calculus, financial statement analysis, and risk assessment. Because these subjects are necessary for aCreditAnalystto perform the risk assessment process.
• 4. Proven working experience as aCreditAnalyst
• 5. Particular Product and Industry experience
• 6. Additional certification may be required.
• 7. Strong communication skills (Written as well as Verbal).
• 8. Excellent managerial, Analytical, and time-management skills.
• 9. Ability to prioritize tasks.
• 10. Proficient in Microsoft Office or other financial software.
• 11. Advanced Excel skills.