Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Chandigarh; On-site; INR 400,000 - 640,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites qualified candidates for the role of Credit Analyst based in Chandigarh. The analyst will assess client credit data and financial statements to evaluate lending risk and prepare risk assessment notes for corporate SME customers.

The role requires strong analytical and written/verbal communication, plus proficiency in Excel and MS Office. Experience in banking or credit analysis and knowledge of finance topics are preferred.

Qualifications

• The candidate must have a bachelor’s degree from any recognized University in India.
• Banks give preference to CA and MBA for Credit Analyst role.
• Degree in finance, accounting, or related fields like ratio analysis, statistics, economics, calculus, financial statement analysis, and risk assessment.
• Proven working experience as a Credit Analyst.
• Particular Product and Industry experience is desirable.
• Additional certification may be required.
• Strong communication skills (Written and Verbal).
• Excellent managerial, analytical, and time-management skills.
• Ability to prioritize tasks.
• Proficient in Microsoft Office or other financial software.
• Advanced Excel skills.

Responsibilities

• Analyzing client data and financial statements to evaluate risk.
• Assessing business model, industry, and geography for creditworthiness.
• Examining transaction history and credit history for financial status.
• Creating reports on the degree of risk involved in lending.
• Tracking legislation and government policies to stay updated.
• Filling out loan applications with credit analysis for loan committees.

Skills

Analytical skills

Credit analysis

Written communication

Verbal communication

Time management

Prioritization

Advanced Excel

Microsoft Office

Financial software

Education

Bachelor's degree in India

CA or MBA preferred

Finance/accounting related degree

Proven working experience as Credit Analyst

Additional certification may be required

Tools

Microsoft Excel

Financial analysis software

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.