Credit Analyst

Job description 1. Financial & Credit Analysis: Perform in-depth financial statement analysis (balance sheet, profit & loss, cash flow) to evaluate the companys creditworthiness. Conduct ratio analysis (liquidity, leverage, profitability, efficiency, and coverage ratios) to assess financial health. Analyze funding requirements, debt repayment capacity, and working capital needs . Assess collateral strength and covenant compliance for secured and unsecured funding. 2. Funding Proposal Preparation & Presentation: Prepare funding proposals, credit reports, and investor presentations for banks, NBFCs, and financial institutions. Structure loan and investment proposals aligning with the companys financial goals. Present financial insights and funding strategies to senior management, lenders, and investors . Collaborate with banks and financial institutions to negotiate interest rates, loan terms, and funding structures . 3. Risk Assessment & Compliance: Identify financial risks and suggest mitigation strategies. Monitor debt servicing, cash flow projections, and funding utilization . Ensure compliance with banking regulations, RBI norms, and investment policies . Track industry trends and macroeconomic factors impacting funding decisions. 4. Cross-Functional Coordination: Work closely with finance, treasury, audit, and legal teams to align funding strategies. Assist in due diligence and financial modeling for potential investments. Support negotiations for credit lines, working capital loans, and structured finance deals . Show more Show less