Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; Vor Ort; INR 350.000 - 550.000; Vollzeit

Zusammenfassung

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Analyst to assess risk for corporate SME lending. You will analyze the client credit data and financial statements to evaluate the degree of risk involved in lending money.

Qualifications include a bachelor's degree from a recognized university in India. Banks prefer CA or MBA. Proficiency in Excel and MS Office, strong written and verbal communication, and the ability to prioritize tasks.

Qualifikationen

• Bachelor's degree from a recognized Indian university.
• CA or MBA preferred for credit-analyst role.
• Finance/Accounting related education is advantageous.
• Experience with risk assessment processes is a plus.
• Strong written and verbal communication skills.

Aufgaben

• Analyzing client credit data and financial statements to evaluate risk for lending.
• Understanding business models, industries, and geography to assess creditworthiness.
• Examining transaction history and credit history for financial status.
• Creating reports on risk levels and lending recommendations.
• Tracking legislation and policies to stay updated.

Kenntnisse

Written & Verbal communication

Analytical thinking

Time management

Prioritization

Ausbildung

Bachelor's degree (Finance/Accounting/related)

CA or MBA preferred

Tools

MS Office

Excel (Advanced)

Jobbeschreibung

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.