Credit Analyst

4 weeks ago

Bengaluru India Birla Pivot Full time

Job Description 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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