Junior Credit Analyst
2 weeks ago
Job Title: Junior Credit Analyst Lending
Company: Caparo Financial Solutions Limited
Location: Delhi NCR / Mumbai
Experience: 0–2 Years
Salary: 6 LPA + (Based on Candidate Profile)
Joining: Immediately
Key Responsibilities:
Credit Assessment & Financial Analysis
- Analyze applicants financial statements including balance sheets, income statements, and cash flows.
- Evaluate borrower profiles, repayment capacity, and risk exposure.
- Study economic and industry trends impacting borrower creditworthiness.
Risk Assessment & Loan Structuring
- Perform credit risk assessments using in-house or industry credit models.
- Build financial models to evaluate credit parameters.
- Recommend appropriate loan structures aligned with client risk profiles.
Loan Processing & Documentation
- Prepare detailed credit proposals for internal approvals.
- Ensure compliance with NBFC and RBI credit norms.
- Handle documentation, loan agreements, and disbursement processes.
Portfolio Monitoring & Credit Risk Management
- Monitor borrower performance and payment behavior.
- Analyze delinquency trends and recommend corrective actions.
- Assist in identifying early warning signals for high-risk accounts.
Regulatory Compliance & Reporting
- Ensure adherence to RBI guidelines and internal policies.
- Maintain accurate documentation and audit trails.
- Prepare and present credit MIS reports to senior management.
Candidate Requirements:
Skills & Competencies
- Strong understanding of financial ratios and risk indicators
- Proficiency in MS Excel and financial modeling tools
- Analytical and detail-oriented approach
- Effective written and verbal communication skills
- Familiarity with NBFC products: LAP, SME loans, Working Capital, etc.
Education
- Master's Degree in Finance, Accounting, Business, or related field (Finance background preferred)
Key Skills:
Credit Appraisal, Financial Analysis, Risk Assessment, NBFC Lending, Loan Structuring, MS Excel, Financial Modelling, Regulatory Compliance.
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