Credit Analyst

7 days ago

Bengaluru, India Birla Pivot Full time
Conduct comprehensive credit analyses and assessments to evaluate borrower credit worthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.
Roles & Responsibilities:
Credit Assessment
Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.
Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.
Financial Analysis
Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.
Documentation and Due Diligence
Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.
Documentation and Due Diligence
Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.
Communication and Reporting
Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.
Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval.
Portfolio Monitoring
Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.
Skills & Experience
Bachelor’s degree in finance, Accounting, Economics, or related field required; master’s degree preferred.
Minimum of 3 years of experience in credit analysis, banking, or financial services industry.
Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately.
Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation.
Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely.
Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

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