Credit Analyst- About the Role Auswide Pvt Ltd is seeking a detail-oriented and analytical Credit Analyst to join our finance team The ideal candidate will have a strong foundation in financial analysis risk assessment and credit evaluation If you have experience in reviewing financial data preparing credit reports and working with tools like Excel credit bureaus and CRM platforms we d love to hear from you Responsibilities Analyze financial statements balance sheets income statements cash flow for new and existing clients Conduct credit risk assessments and evaluate loan proposals Prepare and present detailed credit reports and recommendations Monitor client credit profiles and identify early warning signals Collaborate with internal teams loan officers risk legal on credit decisions Maintain accurate documentation for all credit evaluations and decisions Ensure compliance with company credit policies and regulatory guidelines Basel RBI Assist in audits and compliance checks as required Stay informed on market trends and industry-specific risks Technical Skills Required Financial Statement Analysis - Evaluate income statements balance sheets and cash flow reports Ratio Analysis - Assess liquidity profitability and solvency metrics Credit Risk Assessment - Identify and measure potential credit losses Loan Structuring - Understand terms repayment schedules and collateral arrangements Cash Flow Analysis - Analyze operating and free cash flow for repayment capability Credit Scoring Tools - Experience with CIBIL Equifax Experian or internal scoring platforms Accounting Knowledge - Familiarity with GAAP or IFRS standards Industry Research - Evaluate external factors that influence client creditworthiness Excel Financial Modelling - Build and maintain dynamic models for analysis Soft Skills Strong analytical and critical thinking Attention to detail Effective communication written and verbal Time management and multitasking ability Ethical judgment and confidentiality Negotiation and decision-making skills Team collaboration Tools Software MS Excel Google Sheets - Financial modeling and reporting Credit Rating Platforms - CIBIL Equifax Experian ERP Systems - SAP Oracle CRM Tools - Zoho CRM or similar Financial Databases - Bloomberg Reuters Job Type Full-time Pay 18 000 00 - 25 000 00 per month Perks Food provided Health insurance Ability to commute relocate Mohali Punjab Reliably commute or planning to relocate before starting work Required Language English Required Location Mohali Punjab Required Work Location In person

📌 Credit Analyst (Punjab)
🏢 Auswide Bpo
📍 Punjab