Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Khordha; Sur place; INR 350 000 - 700 000; Plein temps

Résumé du poste

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for a Credit Analyst to assess risk for corporate SME lending.

The role focuses on analyzing client credit data and financial statements to evaluate risk, understand business models, and monitor transaction history. Candidates should have a bachelor's degree, with CA/MBA preferred, and solid skills in Excel and financial analysis. Strong written and verbal communication, time management, and the ability to prioritize tasks are

Qualifications

• Bachelor's degree from a recognized Indian university is required.
• CA and MBA are preferred qualifications for the role.
• Finance, accounting, or related subjects help in risk assessment.
• Prior work experience as a Credit Analyst is desirable.
• Strong communication skills (written and verbal).
• Proficiency in Excel and financial software is expected.
• Ability to analyze financial statements and ratios for risk.

Responsabilités

• Analyze client's credit data and financial statements to assess risk.
• Understand business model, industry, and geography for risk assessment.
• Review transaction history to gauge financial status.
• Create reports detailing the level of risk for lending decisions.
• Track legislation and policies to stay updated on laws affecting credit.
• Prepare loan applications with credit analysis for loan committees.

Connaissances

Analytical skills

Written communication

Verbal communication

Time management

Prioritization

Advanced Excel

Microsoft Office

Formation

Bachelor's degree in any recognized Indian university

CA or MBA preferred

Finance/Accounting related background

Outils

Microsoft Office

Advanced Excel

Financial analysis software

Description du poste

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.