Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Kolkata District; On-site; INR 450,000 - 750,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Kolkata is seeking a Credit Analyst to write and analyze Credit Risk Assessment Notes for corporate SME customers.

The role involves analyzing client credit data and financial statements to evaluate risk and creditworthiness, and preparing reports for loan committees. You will review transaction history, track legislation affecting lending, and prepare applications and analysis for loan approvals, with emphasis on accuracy, communication, and

Qualifications

• Bachelor's degree or equivalent from a recognized University in India.
• CA and MBA preferred for Credit Analyst roles.
• Finance or accounting background helpful for risk assessment.
• Experience as Credit Analyst.
• Industry/product knowledge a plus.
• Certifications may be required.
• Strong written and verbal communication skills.
• Excellent analytical and time-management skills.
• Ability to prioritize tasks.
• Proficiency in MS Office or other financial software.
• Advanced Excel skills.

Responsibilities

• Analyzing the client's credit data and financial statements to evaluate risk in lending decisions.
• Understand business models and geography to assess creditworthiness of clients.
• Examine a client's financial transactions and credit history.
• Create reports about risk levels in lending to clients.
• Track legislation and government policies affecting lending.
• Fill out loan applications with credit analysis and submit to loan committees for approval.

Skills

Strong communication

Analytical

Time management

Prioritization

MS Office

Education

Bachelor's degree

CA

MBA

Finance/Accounting degree

Certifications in risk analysis

Credit Analyst experience

Tools

Microsoft Office

Advanced Excel

Financial software

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.