Credit Analyst Senior Credit Analyst
Credit Analyst Senior Credit Analyst
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
Credit Analyst / Senior Credit Analyst
Credit unit facilitates lending to existing & new clients by assessing creditworthiness monitoring clients' performance on a regular basis and making suitable recommendations to the credit committees.
The team is expected to do a deep dive financial analysis of customers regularly meet / interact with the stakeholders of borrowers keep regular track of key performance milestones be cognizant of & follow internal policies & processes and present findings / recommendations to internal committees in timely & concise manner.
Job Description :
Independently prepare comprehensive credit assessment (covering macrooverview industry/sector competitor business financial and credit analysis) of clients on continuous basis through desk review and onfield diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.
Able to hold conversations and engage with clients' senior management and present the clients' credit profile to internal team and Credit Committee to support their decision making.
Followup with the sales team account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration joint monitoring of portfolio with account relationship team based on early warning systems.
Capable of forming a view and suggesting course of action with regards to exposures clients.
Must Have
CA / MBA with minimum 4 plus years of relevant credit assessment experience for mid/large corporates.
Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.
Experience in handling due diligence or transaction advisory.
Be comfortable with numbers analyzing financial statements managing and interpreting data and solving problems to aid in credit underwriting.
Excellent report writing and communication skills.
Possess a good eye for detail and have demonstrated ability to work under tight timelines.
Employment Type
Full Time
