Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 500,000 - 900,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst to evaluate lending risk for corporate SME clients. Strong written communication and analytical skills are essential to prepare risk notes and reports.

You will analyze client credit data, review financial statements, track regulatory changes, and present findings to loan committees. A bachelor's degree is required; CA or MBA and finance-related degrees are preferred.

Qualifications

• Bachelor's degree from a recognized University in India.
• CA and MBA preferred for Credit Analyst role.
• Plus if degree in finance, accounting or related fields like ratio analysis, statistics and risk assessment.
• Proven working experience as a Credit Analyst.
• Particular Product and Industry experience.
• Additional certification may be required.
• Strong communication skills (Written as well as Verbal).
• 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's credit data and financial statements to evaluate the degree of risk involved in lending money to them.
• Understand business model, industry and geography; assess creditworthiness of clients.
• Examine a client's financial transactions and credit history to gauge financial status.
• Create reports about the degree of risk involved in lending money to clients.
• Track legislation and government policies to stay updated with the latest laws.
• Fill out applications and include the credit analysis for loan requests and submit to loan committees.

Skills

Analytical skills

Communication skills

Time management

MS Office

Advanced Excel

Education

Bachelor's degree

CA

MBA

Finance background

Risk analysis

Tools

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.