We are looking for a Credit Analyst with 2–4 years of experience in credit analysis/lending. The candidate will be responsible for evaluating financial statements, assessing creditworthiness and risks, preparing credit reports and projections, and monitoring borrower accounts.
Candidates with Construction Finance experience will be preferred.
Key Responsibilities
- Analyse financial statements, balance sheets, P&L; and cash-flow statements.
- Conduct detailed credit assessment and risk evaluation of borrowers.
- Assess repayment capacity, financial strength and overall creditworthiness.
- Prepare credit appraisal reports, credit notes and financial projections.
- Analyse business performance, financial ratios and key credit parameters.
- Monitor existing accounts and identify potential early-warning signals and credit risks.
- Coordinate and liaise with banks,
financial institutions and other stakeholders.
- Support the team in credit documentation and loan-related processes.
- Conduct industry and borrower-level analysis to support lending decisions.
- Prepare regular MIS and reports for management.
- Ensure adherence to internal credit policies and lending guidelines.
Candidate Requirements
- 2–4 years of relevant experience in Credit Analysis, Credit Underwriting, Lending or Financial Services.
- Construction Finance experience preferred.
- Strong understanding of financial statements and credit assessment.
- Good analytical and financial modelling skills.
- Strong proficiency in MS Excel.
- Good written and verbal communication skills.
- Ability to prepare clear and structured credit reports.
- Candidates from NBFCs, Banks, Financial Institutions or Credit Advisory firms would be preferred.
Qualification
- CA / MBA Finance / PGDM Finance / CFA / relevant finance qualification preferred.