Credit Analyst

3 days ago

Bengaluru, Karnataka, India Birla Pivot Full time ₹ 5,00,000 - ₹ 15,00,000 per year

Conduct comprehensive credit analyses and assessments to evaluate borrower credit worthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.

Roles & Responsibilities:

Credit Assessment

  • Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.
  • Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.

Financial Analysis

  • Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
  • Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.

Documentation and Due Diligence

  • Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
  • Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Documentation and Due Diligence

  • Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
  • Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Communication and Reporting

  • Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.
  • Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval.

Portfolio Monitoring

  • Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
  • Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.

Skills & Experience

  • Bachelor's degree in finance, Accounting, Economics, or related field required; master's degree preferred.
  • Minimum of 3 years of experience in credit analysis, banking, or financial services industry.
  • Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately.
  • Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation.
  • Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely.
  • Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

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