Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Indore District; On-site; INR 350,000 - 520,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst to evaluate risk by analyzing client data and financial statements.

You will assess creditworthiness across industries and geographies, review transaction history, and prepare risk reports. The role requires strong communication, analytical, and time-management skills, with experience in finance and familiarity with MS Office and Excel. The candidate should have a bachelor's degree in India, with CA/MBA preferred and relevant

Qualifications

• Bachelor's degree from a recognized university in India.
• CA or MBA preferred for Credit Analyst role.
• Finance/accounting or related fields plus risk analysis knowledge.
• Proven working experience as a Credit Analyst.
• Product/industry experience is a plus.
• Additional certifications may be required.
• Strong written and verbal communication skills.
• Excellent managerial, analytical, and time-management skills.
• Ability to prioritize tasks.
• Proficient in Microsoft Office or other financial software.
• Advanced Excel skills.

Responsibilities

• Analyze client credit data and financial statements to evaluate risk.
• Understand business model, industry, and geography to assess creditworthiness.
• Examine transaction history and credit history for financial status.
• Create reports on risk levels for lending decisions.
• Track legislation and government policies to stay updated.
• Complete loan applications with analysis and submit to loan committees.

Skills

Strong communication

Analytical skills

Time management

Prioritization

Managerial skills

Education

Bachelor's degree (India)

CA or MBA preferred

Finance/Accounting background

Certification may be required

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.