Credit Analyst

Credit & CMA Analyst – Bank Finance Division

Location:

Reporting to:

🎯 Core Purpose

Working Capital, Term Loans, Project Finance, LRD, and Real Estate funding

🧭 Key Responsibilities

• Interact with SME and Corporate clients to

  understand their business model, project requirements, and funding needs.

• Prepare detailed

  CMA data, DSCR, ICR, TOL/TNW, Current Ratio

  and other financial parameters.
• Create

  comprehensive client profiles and business summaries

  for banker presentation.
• Prepare

  project finance proposals

  for

  Greenfield and Brownfield projects

  , including cost of project, means of finance, implementation schedule, and revenue projections.
• Work on

  Lease Rental Discounting (LRD)

  and

  Real Estate project funding

  proposals.
• Coordinate with

  banks, NBFCs, and clients

  to obtain pending documents, resolve queries, and ensure timely sanction and disbursement.
• Prepare and maintain

  MIS trackers

  for each case — showing stage-wise progress, pendencies, and next actions.
• Assist in drafting

  sanction notes, renewal papers, credit justifications

  , and compliance reports.

🧮 Skills Required

• Excellent command over

  CMA preparation, project finance analysis, and ratio calculations (DSCR, ICR, TOL/TNW, Current Ratio).

• Working knowledge of

  Excel (Pivot Tables, Financial Formulas), Tally, and MS Word.

• Strong understanding of

  banking norms and credit appraisal processes

  (SBI, Axis, Union Bank, NBFCs, etc.).
• Good communication and follow-up discipline for dealing with clients and RMs.
• Ability to maintain

  accuracy, confidentiality, and high responsiveness

  in multi-case handling.

🎓 Qualification & Experience

• B.Com / M.Com / CMA inter /CA (Inter) / MBA (Finance).
• 2–6 years’ experience in

  bank proposal preparation, project finance, or working with DSA / financial consultancy / NBFC.

🌟 Ideal Candidate

A finance professional who:

• Understands

  how banks assess SME and Project Finance proposals.

• Can independently prepare CMA and ratio analysis.
• Communicates confidently with both clients and bank officials.
• Enjoys translating business data into structured funding presentations.