Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Jaipur; On-site; INR 400,000 - 600,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst to assess risk by analyzing client credit data and financial statements. The role requires understanding business models, industry dynamics, and geographic factors to gauge creditworthiness.

The candidate should have a bachelor’s degree (CA/MBA preferred) and strong Excel and MS Office skills, with experience in credit analysis and risk reporting. Excellent communication and time-management abilities are essential.

Qualifications

• Bachelor's degree from a recognized University in India.
• CA and MBA are preferred for Credit Analyst role.
• Bachelor's or related finance/ accounting degree is advantageous for risk assessment.

Responsibilities

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

Skills

Analytical skills

Credit risk assessment

Credit analysis

Communication skills

Time management

Advanced Excel

Microsoft Office

Education

Bachelor's degree in India

CA

MBA

Finance/Accounting degree

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.