
Senior Financial Analyst
3 days ago
Job Overview:
We are seeking a seasoned Credit Analyst to join our team. As a key member of our credit assessment unit, you will play a critical role in evaluating the creditworthiness of corporate customers.
• Your responsibilities will include conducting in-depth financial analysis, reviewing business models, and assessing management risk.
• You will also work on cashflow based excel models, analyzing cashflows and working capital, as well as reviewing annual reports, borrower/promoter background, and term sheets/sanction letters.
• In addition, you will be responsible for suggesting terms to be incorporated in loan agreements, reviewing credit notes, guiding the team in analysis and decision-making, and interacting with various stakeholders (internal and external) for review of such customers.
• Furthermore, you will review internal ratings of customers and assign ratings, review early warning triggers, and prepare recommendation notes to recommend proposals to top management.
• A strong communicator with excellent interpersonal skills, you will handle resources, discuss observations with seniors, and assess credit proposals/cases for your respective location/region.
Key Responsibilities:
- Assessment of credit proposal, review cases as per credit policy parameters, documentation check, and analysis of observations for necessary correction in credit appraisal
- Prepare CAM/reports highlighting the quality of information to aid decision-making at the senior level
- Monitoring delinquency, exceptions, portfolio movement, maintaining data as required by senior management, and understanding banking products/policies/loans
Requirements:
- CA/MBA from a reputed institute
- Minimum of 6 years of work experience in credit evaluation in a bank
- Credit evaluation experience in any bank
Technical Competencies:
- Financial analysis and market knowledge of the industry segment
Key Skills:
- Analytical and problem-solving skills
- Excellent communication and interpersonal skills
- Ability to work independently and as part of a team
- Strong organizational and time-management skills
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