Credit Analysts

1 week ago

Raipur, Chhattisgarh, India Intellectual Capital Hr Consulting Full time ₹ 8,00,000 - ₹ 12,00,000 per year

Role & responsibilities

Job description

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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