Credit Analyst/Senior Credit Analyst - BFS

Credit Analyst / Senior Credit Analyst

Credit unit facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients' performance on a regular basis, and making suitable recommendations to the credit committees.

The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner.

Job Description :

- Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.

- Able to hold conversations and engage with clients' senior management and present the clients' credit profile to internal team and Credit Committee to support their decision making.

- Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.

- Capable of forming a view and suggesting course of action with regards to exposures clients.

Must Have

- CA / MBA with minimum 4 plus years of relevant credit assessment experience for mid/large corporates.

- Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.

- Experience in handling due diligence or transaction advisory.

- Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting.

- Excellent report writing and communication skills.

- Possess a good eye for detail and have demonstrated ability to work under tight timelines.