Credit Analyst

Role Overview: As a Credit Analyst at Ezdaher India Private Limited, a member of the Avana Companies Family, based in Pune, India, you will be responsible for analyzing loan requests, ensuring accuracy and reliability in financial assessments, and maintaining strong client relationships. You will receive training in U.S. real estate lending and work closely with experienced U.S.-based underwriters to support your success. Key Responsibilities: - Spread financial information and prepare a prescreen within 48 hours of receiving Prescreen Checklist items - Achieve a minimum of 4 loans funded each quarter - Produce the first draft of Credit Approval Memo (CAM) for review within 10 business days of the loan entering underwriting - Analyze loan requests focusing on financials and collateral valuation, ensuring accuracy - Collaborate with internal teams to process loans within set time frames - Communicate proactively with clients and sales team to gather necessary information for credit decisions - Recommend suitable loan structures based on credit requests - Prepare clear credit analysis memos assessing creditworthiness and collateral value - Perform risk assessments on assigned loans, identify early warning signs, and recommend risk mitigation actions - Administer construction loans, track budgets, schedules, and ensure timely funding - Research and analyze industry trends for potential risks - Ensure compliance with legal and management standards - Be open to travel for training purposes - Undertake additional tasks as assigned by Chief Credit Officer or Management Qualifications Required: - Bachelor's degree in finance or accounting with a strong academic background - At least 3 years of experience in commercial lending, preferably in commercial real estate and hotel lending - Quick learner with strong problem-solving skills - Excellent analytical skills and ability to interpret complex financial data - Knowledge of US GAAP and IFRS will be beneficial - Ability to work independently in a fast-paced, multinational environment - Strong attention to detail and ability to spot data discrepancies - Comfortable working U.S. hours (IST 5:30 PM to 2:30 AM) - Proficient in Microsoft Excel and Word - Excellent written and spoken English communication skills Additional Details: Ezdaher India Private Limited is a KPO based in Pune, offering credit underwriting and functional services to Avana Companies, USA. The company provides a competitive salary and benefits package, ample opportunities for growth and self-development, professional development, and advancement opportunities. You will work in a collaborative and inclusive work environment with international exposure.,