Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Coimbatore District; On-site; INR 450,000 - 700,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst to analyze clients' credit data and financial statements to assess lending risk.

You will evaluate business models, industry and geographic risk, and the overall creditworthiness of existing or new clients. Responsibilities include preparing risk reports, examining credit histories and transactions, and staying updated on relevant laws and policies.

Qualifications

• Bachelor's degree from a recognized University in India.
• Banks give preference to CA and MBA for Credit Analyst role.
• Plus if you have a Bachelor's 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.

Responsibilities

• Analyzing the client's credit data and financial statements to evaluate risk in lending to them.
• Understand business model and risk by industry and geography; assess creditworthiness of clients.
• Examine a client's financial transactions and credit history to gauge financial status.
• Create reports about the degree of risk involved in lending to clients.
• Track legislation and government policies to stay updated with the latest laws.
• Fill out loan applications with the credit analysis and submit to loan committees for approval.

Skills

Analytical skills

Good writing

Strong communication

Time management

MS Office

Advanced Excel

Financial software

Education

Bachelor's degree

CA preferred

MBA preferred

Finance/Accounting background

Ratio analysis

Risk assessment

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.