Leading Financial Decision Maker

3 days ago


Thrissur, Kerala, India beBeeCreditAnalyst Full time ₹ 18,24,000 - ₹ 24,69,600
Job Description

As a Senior Credit Analyst, you will play a vital role in evaluating credit proposals and reviewing cases to ensure adherence to bank internal policy. Your expertise in financial analysis and market knowledge of the industry segment will be invaluable in making informed decisions.

You will be responsible for:

  • Carrying out due diligence for large corporate customers
  • In-depth financial analysis, business model review, management risk analysis
  • Working on cashflow based excel models, analyzing cashflows and working capital
  • Reviewing annual reports, borrower/promoter background
  • Reviewing term sheets/sanction letters and suggesting terms to be incorporated
  • Reviewing credit notes and guiding the team in analysis, decision making
  • Interaction with various stakeholders for review of such customers
  • Reviewing internal rating of customers and assigning rating
  • Reviewing early warning triggers
  • Preparing recommendation notes and recommending proposals to top management

Core Responsibilities:

Assessment of credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal

Preparation of CAM/Report which highlights the quality of information, which helps the decisioning of cases are senior level.

Monitoring of delinquency, exceptions, portfolio movement. Maintaining data as required by the Senior Management

Minimum Qualifications:

  • CA/MBA from a reputed institute
  • Minimum 6 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience:

Credit Evaluation in any Bank

Technical Competencies:

Financial Analysis and Market knowledge of industry segment



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