Credit Analyst

2 days ago

Borivli, Maharashtra, India Aurum Management Consultancy Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Role & responsibilities

Key Responsibilities:

1. Credit Analysis & Appraisal

  • Analyze financial statements, CMA data, balance sheets, and profitability reports.
  • Assess clients creditworthiness and repayment capacity.
  • Prepare and review CMA data, projections, and banking documentation.
  • Evaluate proposals for working capital, term loans, and equipment finance.

2. Loan Syndication & Bank Coordination

  • Liaise with banks/NBFCs for credit processing and sanctioning.
  • Prepare detailed credit proposals, project reports, and sanction note drafts.
  • Coordinate for submission of financial data, queries, and clarifications to lenders.

3. Financial Documentation & Compliance

  • Ensure all financial documents are compliant with bank/NBFC requirements.
  • Maintain client financial records and loan-related MIS.
  • Assist in preparing ratios like DSCR, DER, QDER, Interest Coverage, etc.

4. Client Servicing & Reporting

  • Support clients in preparing financial projections and funding roadmaps.
  • Provide regular updates on loan applications and sanction status.
  • Maintain strong client and lender relationships.

Required Skills & Competencies:

  • Strong understanding of financial statements and credit analysis.
  • Proficiency in MS Excel (advanced level), Word, and PowerPoint.
  • Experience in preparing CMA Data and Project Reports.
  • Working knowledge of banking products (CC, OD, TL, LC, BG).
  • Excellent communication and presentation skills.
  • Attention to detail, analytical thinking, and ability to work under deadlines.

Preferred candidate profile

Qualifications:

  • Graduate/Postgraduate in Commerce, Finance, Accounting, or Economics.
  • Candidates with CA (Inter) / CMA(Inter)/MBA Finance / CFA (preferred but not mandatory).

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