Role: Credit Analysis

Roles and Responsibilities:
Strategic Decision-Making:
Establish and implement credit assessment policies, frameworks, and guidelines.
Advise management on risk-related issues and funding decisions.

Relationship Management:
Build and maintain relationships with funders, corporates, and stakeholders.

Act as a bridge between corporates and funders for better understanding of credit profiles.

Credit Analysis:
Financial Statement Analysis:
Review and analyze financial statements, balance sheets, profit & loss accounts, and cash flow statements to assess the financial health of corporates.
Risk Assessment:
Evaluate creditworthiness based on key metrics such as leverage, liquidity, profitability, and solvency.
Identify and quantify risks associated with transactions.
Sectoral Insights:
Study industry trends, market conditions, and sectoral risks affecting the corporates under review.
Covenant Structuring:




Develop appropriate financial covenants and monitoring mechanisms to mitigate credit risk.

Funding Presentation:
Credit Memorandum Preparation:
Draft comprehensive credit appraisal notes and proposals for funders.
Highlight key strengths, risks, mitigants, and transaction structures.
Stakeholder Communication:
Clearly present and explain credit cases to funders, addressing their concerns.

Compliance and Monitoring:
Regulatory Adherence:
Ensure that credit analysis complies with local regulations and funding institution policies.
Ongoing Monitoring:
Oversee periodic reviews of credit facilities, monitoring performance, covenant compliance, and early warning signs.

This role requires a combination of technical financial skills, risk management acumen, and the ability to articulate business cases effectively

📌 Credit Analyst Mumbai (India)
🏢 Intellectual Capital HR Consulting
📍 India