LAS Senior Credit Analyst

2 weeks ago


Anantapur, India Intellectual Capital HR Consulting Pvt. Ltd. Full time

Key Areas of Experience:

  • Credit analysis experience in NBFCs/Banks.
  • Exposure to Capital Markets and Structured Finance/Wholesale Banking.


Key Responsibilities:

  • Financial Analysis: Conduct comprehensive financial analysis, including review of financial statements, cash flow, and other financial metrics to evaluate the creditworthiness of individuals and businesses.
  • Credit Evaluation: Lead the evaluation of credit applications by performing in-depth risk assessments, recommending appropriate credit limits and terms.
  • Industry Research: Stay abreast of industry trends, market conditions, and regulatory updates to inform credit risk decisions.
  • Credit Risk Management: Prepare and present credit reports and risk assessments to senior management, aiding in strategic decision-making.
  • Compliance: Ensure all credit approvals and decisions comply with internal credit policies and regulatory standards.
  • Collaboration: Work closely with cross-functional teams, including credit, relationship management, and risk departments to streamline credit processes and ensure efficiency.


Key Requirements:

  • Educational Qualifications: Chartered Accountant (CA), preferably 1st attempt, with up to 10 years of experience.
  • Financial Acumen: Strong expertise in financial statement analysis, accounting principles, and financial ratios.
  • Analytical Skills: Advanced analytical skills with the ability to assess complex financial health and associated risks.
  • Attention to Detail: Keen attention to detail with the ability to identify discrepancies and mitigate risks proactively.
  • Communication Skills: Excellent written and verbal communication skills to clearly present financial data and credit recommendations.
  • Technical Proficiency: High proficiency in Microsoft Excel and other financial analysis tools.
  • Leadership & Teamwork: Proven ability to lead credit assessments and work collaboratively with cross-functional teams to drive business results.


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