Trainee Credit Analyst

Serviam Manpower; Mumbai; On-site; INR 300,000 - 360,000; Full time

Job summary

Serviam Manpower Pvt Ltd. is seeking a motivated Trainee Credit Analyst in Akurdi, Pune (PCMC). Fresh graduates in B.Com, BBA (Finance) or BMS (Finance) are invited to apply for a role focused on credit assessment, financial analysis, and risk evaluation. You will develop practical skills by working with experienced professionals.

The position offers exposure to financial statements, credit scoring, and valuation concepts, with guidance to grow in finance and analytical capabilities.

Qualifications

• Fresh graduate with a degree in B.Com, BBA (Finance) or BMS (Finance).
• Strong interest in finance, credit analysis, and financial research.
• Basic understanding of accounting principles and financial statements.

Responsibilities

• Analyze financial statements including Balance Sheets, Profit & Loss statements, and Cash Flow statements.
• Assess the financial health and creditworthiness of companies and borrowers.
• Evaluate financial ratios, debt obligations, profitability, and repayment capacity.
• Collect, verify, and organize financial documents required for credit assessment.
• Conduct basic financial research and assist in preparing credit analysis reports.
• Review financial data to identify discrepancies, potential risks, and areas requiring further investigation.
• Maintain accurate records and documentation related to credit assessments.
• Coordinate with internal teams to obtain relevant financial information and supporting documents.

Skills

Analytical skills

Numerical ability

Communication skills

Education

B.Com

BBA (Finance)

BMS (Finance)

Tools

MS Excel

Financial ratio analysis

Job description

Location: Akurdi, Pune (PCMC)
Experience: Fresher (0–1 Year)
Qualification: B.Com / BBA (Finance) / BMS (Finance)
CTC: ₹3.0–3.6 LPA

Job Overview

We are looking for a motivated and analytical Trainee Credit Analyst to join our team. This opportunity is ideal for fresh graduates with a background in Finance or Commerce who are interested in building a career in credit analysis, financial assessment, and risk evaluation.

The selected candidate will receive an opportunity to develop practical knowledge of financial statements, credit assessment, and financial analysis while working with experienced professionals.

Key Responsibilities

• Assist in analysing financial statements, including Balance Sheets, Profit & Loss statements, and Cash Flow statements.
• Support the assessment of the financial health and creditworthiness of companies and borrowers.
• Assist in evaluating financial ratios, debt obligations, profitability, and repayment capacity.
• Collect, verify, and organize financial documents required for credit assessment.
• Conduct basic financial research and assist in preparing credit analysis reports.
• Review financial data to identify discrepancies, potential risks, and areas requiring further investigation.
• Maintain accurate records and documentation related to credit assessments.
• Coordinate with internal teams to obtain relevant financial information and supporting documents.

Eligibility Criteria

• Fresh graduate with a degree in B.Com, BBA (Finance), or BMS (Finance).
• Strong interest in finance, credit analysis, and financial research.
• Basic understanding of accounting principles and financial statements.
• Familiarity with MS Excel and basic financial calculations.
• Good analytical, numerical, and problem-solving skills.
• Good communication skills and attention to detail.
• Willingness to learn and develop expertise in credit analysis.

Preferred Skills

• Basic understanding of financial ratios such as the Current Ratio, Debt-to-Equity Ratio, and Profitability Ratios.
• Knowledge of Balance Sheets, Profit & Loss statements, and Cash Flow statements.
• Academic projects or internships in finance, accounting, financial analysis, or banking will be an added advantage.