Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 350,000 - 650,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst with strong writing and analytical skills to assess risk for SME lending.

The role involves analyzing client data, evaluating financial statements, and understanding the business model, industry and geography to determine creditworthiness. You will report risk findings and support loan committees with detailed credit analyses. Candidates should have a bachelor’s degree in finance or accounting, with CA or MBA preferred, and

Qualifications

• Bachelor’s degree in finance or accounting from a recognized university.
• Banks prefer CA and MBA for Credit Analyst roles.
• Additional degree related to finance helps in risk assessment.

Responsibilities

• Analyzing client credit data and financial statements to evaluate risk for lending.
• Understand business model, industry, and geography to assess creditworthiness.
• Examine client transaction history and credit history to gauge financial status.
• Create reports describing risk levels for lending decisions.
• Track legislation and government policies to stay updated with the latest laws.
• Fill out credit analyses and loan applications for loan committees.

Skills

Strong communication

Analytical thinking

Time management

Prioritization

Education

Bachelor’s degree in finance/accounting

CA/MBA preferred for Credit Analyst

Tools

Microsoft Office

Advanced 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.