Credit Analyst

7 days ago


New Delhi, India Discoveries Quintessential Full time

Credit & CMA Analyst – Bank Finance Division Location:Work from Home Reporting to:Division HeadCore Purpose To support the Bank Finance Arranger division by preparing client profiles, understanding business models, creating CMA data, ratio analysis, and handling coordination with banks and clients for funding proposals — includingWorking Capital, Term Loans, Project Finance, LRD, and Real Estate fundingcases.Key Responsibilities Interact with SME and Corporate clients tounderstand their business model, project requirements, and funding needs. Prepare detailedCMA data, DSCR, ICR, TOL/TNW, Current Ratioand other financial parameters. Createcomprehensive client profiles and business summariesfor banker presentation. Prepareproject finance proposalsforGreenfield and Brownfield projects , including cost of project, means of finance, implementation schedule, and revenue projections. Work onLease Rental Discounting (LRD)andReal Estate project fundingproposals. Coordinate withbanks, NBFCs, and clientsto obtain pending documents, resolve queries, and ensure timely sanction and disbursement. Prepare and maintainMIS trackersfor each case — showing stage-wise progress, pendencies, and next actions. Assist in draftingsanction notes, renewal papers, credit justifications , and compliance reports.Skills Required Excellent command overCMA preparation, project finance analysis, and ratio calculations (DSCR, ICR, TOL/TNW, Current Ratio). Working knowledge ofExcel (Pivot Tables, Financial Formulas), Tally, and MS Word. Strong understanding ofbanking norms and credit appraisal processes(SBI, Axis, Union Bank, NBFCs, etc.). Good communication and follow-up discipline for dealing with clients and RMs. Ability to maintainaccuracy, confidentiality, and high responsivenessin multi-case handling.Qualification & Experience B.Com / M.Com / CMA inter /CA (Inter) / MBA (Finance). 2–6 years’ experience inbank proposal preparation, project finance, or working with DSA / financial consultancy / NBFC.Ideal Candidate A finance professional who: Understandshow banks assess SME and Project Finance proposals. Can independently prepare CMA and ratio analysis. Communicates confidently with both clients and bank officials. Enjoys translating business data into structured funding presentations.


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