Senior Credit Analyst

1 week ago


pushkar, India beBeeCreditAnalysis Full time

Credit Analysis ProfessionalThe role involves preparing comprehensive client profiles, analyzing business models, creating credit reports, ratio analysis, and coordinating with lenders for funding proposals.Key Responsibilities:Interact with SME and Corporate clients to understand their business model, project requirements, and funding needs.Prepare detailed credit reports, DSCR, ICR, TOL/TNW, Current Ratio and other financial parameters.Create in-depth client profiles and business summaries for lender presentation.Prepare project finance proposals for Greenfield and Brownfield projects, including cost of project, means of finance, implementation schedule, and revenue projections.Work on Lease Rental Discounting (LRD) and Real Estate project funding proposals.Coordinate with banks, NBFCs, and clients to obtain pending documents, resolve queries, and ensure timely sanction and disbursement.Prepare and maintain MIS trackers for each case — showing stage-wise progress, pendencies, and next actions.Assist in drafting sanction notes, renewal papers, credit justifications, and compliance reports.Required Skills and Qualifications:Excellent command over credit analysis, project finance analysis, and ratio calculations (DSCR, ICR, TOL/TNW, Current Ratio).Working knowledge of Excel (Pivot Tables, Financial Formulas), Tally, and MS Word.Strong understanding of banking 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 maintain accuracy, confidentiality, and high responsiveness in multi-case handling.Qualifications:B.Com / M.Com / CMA inter /CA (Inter) / MBA (Finance).2–6 years' experience in bank proposal preparation, project finance, or working with DSA / financial consultancy / NBFC.



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