Credit Evaluation Specialist

3 days ago


Bhavnagar, Gujarat, India beBeeFinancial Full time ₹ 20,00,000 - ₹ 32,00,000
Senior Credit Analyst Job Summary

The Senior Credit Analyst plays a vital role in conducting due diligence on large corporate customers, performing comprehensive financial analysis, and reviewing annual reports to drive informed business decisions.

Key Responsibilities:

  • Conduct thorough due diligence for large corporate customers, encompassing financial analysis, risk assessment, and market research.
  • Develop and implement in-depth financial models to analyze cash flows, working capital, and creditworthiness.
  • Review and analyze annual reports, borrower/promoter backgrounds, and credit notes to inform strategic decisions.
  • Collaborate with stakeholders to review customer proposals, term sheets, and sanction letters to optimize lending products.
  • Assign internal ratings to customers based on creditworthiness and provide recommendations to top management.
  • Stay up-to-date with industry dynamics, regulatory changes, and emerging trends to ensure alignment with bank's business requirements.
  • Maintain accurate records of customer interactions, analysis, and decision-making processes.

Requirements:

  • Hold a CA or MBA from a reputable institution.
  • Possess a minimum of 6 years of work experience in credit evaluation within a banking environment.


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