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Financial Risk Specialist

3 weeks ago


Jamnagar, Gujarat, India beBeeCredit Full time ₹ 25,00,000 - ₹ 35,00,000
Job Title:

Senior Credit Analyst

Job Description:

As a senior credit analyst, you will be responsible for performing in-depth financial analysis, business model review, and management risk analysis to ensure the bank's assets are safeguarded.

  • Conduct thorough due diligence on corporate customers to identify potential risks and opportunities.
  • Analyze financial statements, business models, and market trends to make informed decisions.
  • Develop and maintain cash flow models to assess liquidity and working capital.
  • Evaluate annual reports, borrower background checks, and term sheets to mitigate risks.
  • Lead the team in credit analysis, decision-making, and internal ratings reviews.
  • Communicate with stakeholders to provide recommendations and ensure timely customer reviews.
  • Identify early warning triggers and prepare recommendation notes for senior management.
Key Responsibilities:
  • Assess credit proposals based on established credit policy parameters.
  • Analyze documentation, observations, and necessary corrections in credit appraisal.
  • Prepare comprehensive CAM/Reports to facilitate senior-level decision-making.
  • Monitor portfolio performance, delinquency rates, and data for senior management.
Requirements:
  • Strong analytical and problem-solving skills.
  • Excellent communication and stakeholder management skills.
  • Ability to work in a fast-paced environment and meet deadlines.
  • Knowledge of financial markets, instruments, and regulatory requirements.
  • Proven track record of credit analysis and risk assessment.
What We Offer:

A dynamic work environment with opportunities for growth and development. Competitive compensation and benefits package.