Strategic Credit Professional

20 hours ago

Mumbai, Maharashtra, India beBeeCreditAnalyst Full time ₹ 9,00,000 - ₹ 12,00,000
Job Description

We are seeking a skilled Credit Analyst to join our team. As a Credit Analyst, you will play a crucial role in evaluating credit risk and making recommendations to minimize losses and promote business growth.

Your key responsibilities will include:

  1. Preparing rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks.
  2. Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analyst's judgment.
  3. Ensuring that annual review / transactions deadlines are met.
  4. Performing portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files.
  5. Communicating reliably and professionally with both internal and external clients.

You will also be responsible for:

  • Liaison with different métiers and various networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role)
  • Monitoring clients' credit evolution and immediately alerting the management for any early warning signals. This includes, but is not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution.

The successful candidate will have:

  1. Excellent analytical and multi-tasking skills.
  2. Ability to work under pressure and meet deadlines.
  3. Strong communication and interpersonal skills.
  4. Good judgment, independent and creative thinking, able to express views and ideas.
  5. Attention to detail and ability to deliver results driven.
  6. Ability to collaborate with the team and contribute to its efficiency and effectiveness.
Required Skills and Qualifications

We are looking for candidates with the following skills and qualifications:

  • Credit appraisal and risk evaluation.
  • Financial analysis and modeling.
  • Industry and product knowledge.
  • Compliance with internal policies and procedures.
  • Writing and communication skills.

A Bachelor's degree in Finance or a related field is required, and at least 2 years of experience in credit analysis or a related field is preferred.

Benefits

We offer a competitive salary and benefits package, including:

  • Opportunities for career advancement.
  • Professional development and training.
  • A collaborative and dynamic work environment.
Others

This position requires strong analytical and problem-solving skills, attention to detail, and ability to work under pressure. If you are a motivated and organized individual with excellent communication skills, we encourage you to apply.

Technical Competencies

The ideal candidate will have:

  • Ability to analyze financial statements.
  • Knowledge of credit risk management.
  • Experience with financial modeling and analysis.
  • Skills in Microsoft Office.
Behavioral Competencies

The ideal candidate will possess:

  • Analytical and multi-tasking skills.
  • Organizing and control of work.
  • Detail orientation.
  • Adaptability.
  • Ability to work under pressure.
  • Good interpersonal, presentation & communication skills.
  • Ability to collaborate/team work.
  • Good judgement, independent and creative thinking, able to express views and ideas.

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