Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Chennai District; Presencial; INR 400.000 - 700.000; Jornada completa

Descripción de la vacante

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Analyst responsible for analyzing client credit data and financial statements to assess risk for lending.

The role involves understanding business models, industry and geography, and tracking regulatory changes affecting credit decisions. Key duties include preparing risk reports, examining transaction histories, and submitting analyses to loan committees.

Formación

• 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.
• Plus if 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.
• Additional certification may be required.
• Strong communication skills (Written as well as Verbal).
• Excellent managerial, Analytical, and time-management skills.
• Ability to prioritize tasks.
• Proficient in Microsoft Office or other financial software.
• Advanced Excel skills.

Responsabilidades

• Analyzing: The Credit Analysts are responsible for analyzing the client's Credit data and financial statements to evaluate risk.
• Understand: Assess business model and risk by industry and geography; assess creditworthiness of clients.
• Transaction History: Examine a client's financial transactions and Credit history.
• Reporting: Create reports about the degree of risk in lending to clients.
• Tracking: Track legislation and policies to stay updated with laws.
• Application: Fill out the application and include the credit analysis for loan requests and submit to loan committees.

Conocimientos

Analytical skills

Written & verbal communication

Time management

Prioritization

Financial analysis

Risk assessment

MS Office

Advanced Excel

Educación

Bachelor's degree in any recognized University in India

CA or MBA preferred for Credit Analyst role

Finance/Accounting background with ratio analysis, statistics, economics

Herramientas

Microsoft Office

Advanced Excel

Descripción del empleo

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.