Posted By
Posted in
Banking & Finance
Job Code
1474303
Job Title: Credit Analyst
Location: Mumbai
Education & Experience :
- Chartered Accountant (CA) qualification is mandatory; an MBA in Finance, Accounting, or related fields is a plus.
- 3 - 6 years of experience in credit analysis, preferably within credit rating firms, financial services, or corporate banking.
- Expertise in credit risk assessment, financial statement analysis, and loan structuring.
Key Skills:
- Deep knowledge of financial statements, including balance sheets, income statements, and cash flow statements, with a strong focus on credit assessment and determining creditworthiness.
- Proficiency in evaluating clients' financial health, understanding solvency and liquidity ratios, and conducting comprehensive risk assessments.
- Expertise in preparing detailed credit reports and making sound credit decisions based on in-depth financial analysis.
- Strong understanding of credit products, debt instruments, loan agreements, and credit documentation.
- Excellent communication, analytical, and negotiation skills.
- Familiarity with regulatory frameworks, compliance requirements, and market trends related to credit management.
Roles & Responsibilities:
- Perform detailed analysis of financial statements to assess clients' creditworthiness, focusing on corporates, financial institutions, and other entities.
- Conduct thorough credit assessments, including liquidity analysis, profitability evaluation, and stress testing to gauge clients' financial resilience.
- Prepare comprehensive credit rating reports that outline key risks, financial strengths, and recommended credit actions.
- Collaborate with relationship managers and internal teams to provide tailored credit solutions for clients, aligning with their financial goals.
- Monitor ongoing credit exposures and recommend risk mitigation measures as necessary.-
- Ensure compliance with internal policies and regulatory guidelines during the credit rating process.
- Stay current on industry trends, economic indicators, and market risks that could affect credit ratings and client portfolios.
Behavioral Traits:
- Strong attention to detail and a proactive problem-solving approach.
- Ability to work independently while contributing effectively to team efforts.
- Strong decision-making capabilities with a focus on providing accurate credit assessments.
- Adaptable and able to manage multiple priorities in a dynamic, fast-paced environment.
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Posted By
Posted in
Banking & Finance
Job Code
1474303