Key Responsibilities

- Conduct detailed financial statement analysis to assess borrower creditworthiness.

- Perform ratio analysis, cash flow analysis, and profitability assessments.

- Evaluate credit risk and recommend appropriate lending decisions.

- Review and analyze loan applications, financial documents, and supporting information.

- Assess collateral adequacy and conduct collateral risk evaluation.

- Analyze loan covenants and ensure compliance with credit policies.

- Perform credit scoring and risk-rating assessments.

- Prepare comprehensive credit appraisal and underwriting reports.

- Identify potential risk factors and recommend risk mitigation strategies.

- Collaborate with internal stakeholders to ensure sound credit decisions and portfolio quality.

Required Skills & Qualifications

- Robust understanding of Underwriting and Financial Analysis.





- Sound knowledge of Accounting Principles and Financial Statements.

- Experience in Ratio Analysis and Credit Risk Evaluation.

- Expertise in Collateral Analysis and Covenant Assessment.

- Knowledge of Loan Account Assessment and Credit Scoring Models.

- Strong analytical, problem-solving, and decision-making abilities.

- Excellent communication and report-writing skills.

- Proficiency in MS Excel and financial analysis tools.

Preferred Qualifications

- Bachelor's/Master's degree in Finance, Accounting, Commerce, Economics, or related field.

- Experience in Banking, NBFC, Financial Services, Lending, or Credit Operations.

Interested candidates can send their cv to [email protected]

📌 Banking Operation- Associate / Senior Associate (Chennai)
🏢 NTT DATA
📍 Chennai