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:

1. Financial Statement Analysis:

- Review and analyze financial statements, balance sheets, profit & loss accounts, and cash flow statements to assess the financial health of corporates.

1. Risk Assessment:

- Evaluate creditworthiness based on key metrics such as leverage, liquidity, profitability, and solvency.
- Identify and quantify risks associated with transactions.

1. Sectoral Insights:

- Study industry trends, market conditions, and sectoral risks affecting the corporates under review.

1. Covenant Structuring:





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

Funding Presentation:

1. Credit Memorandum Preparation:

- Draft comprehensive credit appraisal notes and proposals for funders.
- Highlight key strengths, risks, mitigants, and transaction structures.

1. Stakeholder Communication:

- Clearly present and explain credit cases to funders, addressing their concerns.

Compliance and Monitoring:

1. Regulatory Adherence:

- Ensure that credit analysis complies with local regulations and funding institution policies.

1. 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 (Delhi)
🏢 Intellectual Capital HR Consulting
📍 Delhi