Intellectual Capital HR Consulting Pvt. Ltd. | Credit Analyst- SME | delhi

2 weeks ago


delhi, India Intellectual Capital HR Consulting Pvt. Ltd. Full time

Job description


Location- Mumbai, Delhi, Bangalore, Surat, Kolkata


Roles & Responsibilities :

Good writing and analytical skills for Credit Risk Assessment Note writing for corporate SME customers

1. Analyzing: The Credit Analysts are responsible for analyzing the client's Credit data and financial statements in order to evaluate the degree of risk involved in lending money to them.

2. Understand: Business Model and risk associated with a particular business, Industry and geography. Assessing the Credit worthiness of existing or new clients is one of the most essential duties of a working capital Credit Analyst.

3. Transaction History: Credit Analysts need to examine a client's financial transactions and Credit history to know more about their financial status.

4. Reporting: They are responsible for creating reports about the degree of risk involved in lending money to clients.

5. Tracking: A Credit Analyst's duty involves tracking of legislation and government policies to stay updated with the latest laws.

6. Application: Fill out the application and include the Credit analysis for requesting a loan or Credit is also a duty of a Credit Analyst. Then submitting these loan applications to loan committees for their approval.


Qualifications Needed :

1. The candidate must have a bachelor's degree from any recognized University in India.

2. Banks give preference to CA and MBA for Credit Analyst role

3. It will be a plus if an individual has a Bachelor's degree in finance, accounting, or other related fields like ratio analysis, statistics, economics, calculus, financial statement analysis, and risk assessment. Because these subjects are necessary for a Credit Analyst to perform the risk assessment process.

4. Proven working experience as a Credit Analyst

5. Particular Product and Industry experience

6. Additional certification may be required.

7. Strong communication skills (Written as well as Verbal).

8. Excellent managerial, Analytical, and time-management skills.

9. Ability to prioritize tasks.

10. Proficient in Microsoft Office or other financial software.

11. Advanced Excel skills.



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