Annual Credit Analyst

4 days ago

Bengaluru Gurugram Mumbai, India Enrich And Enlight Business Consulting Full time ₹ 1,04,000 - ₹ 1,30,878 per year

Role & responsibilities

Experience Required: Relevant experience in Corporate Banking, Financial Institutions and Commercial Banking 7 to 12 years (Upto 12 years we can consider)

Interview Rounds: TR Screening, TR, MR, Written Assessment and CR.

Location: Bengaluru, (Initial 6 months for training at Bengaluru is mandatory)

Highest Qualifications: MBA and Professional Qualifications such as Chartered Accountant (CA), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA)

Applications:

  • Tool developed by Moodys Risk Analysis, FIS Optimist, Credit Lens
  • Spreadsheets of business entities (ratio analysis and financial modelling)

Role performed by credit analyst:

  • Review of credit applications & supporting documents (overall financial capacity and capability to pay back)
  • Credit report (recommendation on whether to approve/decline the credit application)
  • Present credit report to internal committee.

Requisite of an Individual Contributor:

  • Credit underwriting / Credit risk analysis; Quality Focused and has performed quality and data analytics function. Ability to interpret and highlight risks and early warning signals.
  • Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc.
  • Ability to weigh macro and company factors for risk analysis and recommendations.

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