Sme Credit Analyst Pune/ nagpur

Intellectual Capital HR Consulting Pvt. Ltd.; Pune District; On-site; INR 400,000 - 700,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a diligent Credit Analyst to assess credit risk for corporate SME customers. The role requires analyzing client data, understanding business models, and preparing risk reports for loan committees.

Candidates should have a bachelor’s degree, with CA/MBA preferred, and strong Excel/financial software skills for effective credit analysis and reporting.

Qualifications

• Bachelors degree from a recognized Indian university.
• Preference for CA or MBA for Credit Analyst role.
• Finance or accounting background with risk assessment knowledge.
• Proven working experience as a Credit Analyst.
• Product and Industry experience is a plus.
• Strong communication and time-management skills.

Responsibilities

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

Skills

Analytical skills

Written and verbal communication

Time management

Prioritization

Financial software proficiency

Advanced Excel

Microsoft Office

Risk assessment

Industry knowledge

Credit analysis

Education

Bachelor's degree from a recognized University in India

CA

MBA

Finance or accounting related degree

Certifications may be required

Tools

Microsoft 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.