– Credit Analyst (Business Lending)Job Title

Credit Analyst – Business Lending

Job Summary

We are looking for a detail-oriented Credit Analyst to evaluate and process business loan proposals. The candidate will be responsible for assessing borrowers' financial health, analyzing creditworthiness, preparing credit appraisal notes, and coordinating with banks/NBFCs to facilitate timely sanctions and disbursements.

Products to Handle
Cash Credit (CC)
Overdraft (OD)
Business Loan
MSME Loan
Term Loan
Project Finance

Key Responsibilities
Analyze loan proposals and assess borrowers' creditworthiness.
Review financial statements, GST returns, ITRs, bank statements, and other financial documents.
Prepare Credit Appraisal Notes (CAN) and recommend suitable loan structures.
Evaluate repayment capacity, cash flows, profitability, and financial ratios.
Conduct risk assessment and identify potential credit concerns.
Coordinate with relationship managers, banks, NBFCs, and clients for documentation and query resolution.
Ensure compliance with lender policies and regulatory requirements.
Monitor loan applications from login to sanction and disbursement.
Maintain accurate MIS, portfolio reports, and credit documentation.




Stay updated with banking guidelines and lending policies.

Required Skills
Robust knowledge of business lending and credit appraisal.
Ability to analyze financial statements and assess repayment capacity.
Understanding of working capital and term loan assessment.
Excellent analytical and problem-solving skills.
Positive communication and report-writing skills.
Proficiency in MS Excel, Word, and PowerPoint.

Eligibility
MBA (Finance), CA Inter, CFA, or Graduate/Postgraduate in Commerce or Finance.
2–5 years of experience in Credit Analysis, Banking, NBFC, or Financial Services.
Experience in business lending and working capital finance will be preferred.

Work Location Office-based

Employment Type

Full time

Preferred Industry

Banks, NBFCs, Financial Institutions, Loan Advisory Firms, FinTech, or Financial Consulting.

Key Performance Indicators (KPIs)
Quality of credit appraisal reports.
Loan approval and sanction ratio.
Turnaround time (TAT) for proposal evaluation.
Accuracy of risk assessment.
Compliance with lender and internal credit policies.
Timely coordination for loan disbursement.

Pay: ₹15,000.00 - ₹25,000.00 per month

Work Location: In person

📌 Credit Analyst Pune (India)
🏢 FUNDSUTRA CAPITAL ADVISORY PRIVATE
📍 India