30 Credit Analyst Jobs

Responsibilities- - Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. - Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. - Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. - Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. - Benchmark borrowers financial performance across competitors and industry benchmarks. - Secondary research to gather additional information about the background of management and the borrower. - Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. - Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. - Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: - Keen interest towards tech driven new age/ alternate data-based credit decision process. - Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. - Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. - Critical thinker with strong decision-making ability, excellent written and verbal communication. - Demonstrated capabilities towards multiple stakeholder management. - Knowledge of drafting curated sanction letters and loan agreements will be an added advantage. Education: MBA (Finance)/ CA

Looking for candidates with 0 to 30days of notice period. Job Description: Candidate with minimum 8+ years of work experience within a financial institution (analyzing corporate clients risk insights and credit) Strong experience into Financial Spreading Credit Analysis, credit review, Credit note,& commercial Lending Operations. Preparation of detailed credit and financial analyses risk asset reviews including evaluation of corporate regulatory and industry risk historical operating performance projected operating performance and capital structure. Sound knowledge of financials cash flow leverage & liquidity analysis credit quality assigned value risk analysis internal rating rationale projections and credit recommendations Covenant Monitoring. Strong knowledge on US GAAP Accounting / International Financial Reporting Standards ((10-K 10-Q SEC Filings Investor Presentation etc.) Ability to understand private and public limited corporation structure reporting and classification of financial segments and key credit assessment ratios / parameters Strong Knowledge of MS Office Spreadsheet and formulas Strong Ability to handle seasonal peaks and dynamic changes in workflow Knowledge of any one Financial Spreading tools: Moodys Risk Analyst FIS Optimist Credit lens or allied spreading tools Flexible to work in night shifts. Contact Person: Devikala D Email ID: devikala@gojobs.biz

Greeting from Axis Bank! We have an opening for SEG - Credit Analyst for Delhi About Commercial Banking Group: The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc. About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements. Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications: Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies: For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

Role & responsibilities Sector: Financial Services Location: Bangalore Key Responsibilities Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector. Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers. Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes. Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review. Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting. Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation.

Roles & Responsibilities : Good writing and analytical skills for Credit Risk Assessment Note writing for corporate SME customers 1. Analyzing : The Credit Analysts are responsible for analyzing the client's Credit data and financial statements in order to evaluate the degree of risk involved in lending money to them. 2. Understand : Business Model and risk associated with a particular business, Industry and geography. Assessing the Credit worthiness of existing or new clients is one of the most essential duties of a working capital Credit Analyst. 3. Transaction History : Credit Analysts need to examine a client's financial transactions and Credit history to know more about their financial status. 4. Reporting : They are responsible for creating reports about the degree of risk involved in lending money to clients. 5. Tracking : A Credit Analyst's duty involves tracking of legislation and government policies to stay updated with the latest laws. 6. Application : Fill out the application and include the Credit analysis for requesting a loan or Credit is also a duty of a Credit Analyst. Then submitting these loan applications to loan committees for their approval. Qualifications Needed : 1. The candidate must have a bachelor's degree from any recognized University in India. 2. Banks give preference to CA and MBA for Credit Analyst role 3. It will be a plus if an individual has a Bachelor's degree in finance, accounting, or other related fields like ratio analysis, statistics, economics, calculus, financial statement analysis, and risk assessment. Because these subjects are necessary for a Credit Analyst to perform the risk assessment process. 4. Proven working experience as a Credit Analyst 5. Particular Product and Industry experience 6. Additional certification may be required. 7. Strong communication skills (Written as well as Verbal). 8. Excellent managerial, Analytical, and time-management skills. 9. Ability to prioritize tasks. 10. Proficient in Microsoft Office or other financial software. 11. Advanced Excel skills.

Role & responsibilities CA 1st/ 2ns Attempt preferred. MBA Finance with Mini. 1 year exp in banking. Credit appraisal & analysis. Business & portfolio management. Excellent communication Client & portfolio management Business & revenue management Preferred candidate profile CA-1st/2nd Attempt CA Fresher MBA -1-2 years in banking

Role & responsibilities Job Title Junior Credit Analyst Position Overview: company is looking for an experienced Junior Credit Analyst to support the Credit & Risk team in assessing and managing credit applications for commercial real estate lending. The ideal candidate will have a strong foundation in financial analysis, credit assessment, and risk evaluation, with experience working in the NBFC or banking sector. Sector: Financial Services Location: Bangalore Key Responsibilities Credit Evaluation: Conduct financial analysis, including cash flow assessments and risk profiling of borrowers in the CRE sector. Financial Due Diligence: Review balance sheets, P&L statements, and creditworthiness of potential borrowers. Portfolio Monitoring: Track loan performance, flag risks, and assist in credit monitoring processes. Reporting & Documentation: Prepare credit reports, risk assessments, and internal presentations for senior management review. Regulatory Compliance: Ensure adherence to internal policies and regulatory guidelines for credit underwriting. Stakeholder Coordination: Work closely with business teams, credit committees, and external agencies for smooth credit evaluation. Key Skill & Qualifications • Education: CA, MBA (Finance), CFA, or equivalent. • Experience: 3 -5 years in credit risk assessment, financial analysis, and loan structuring. • Technical Skills: Strong financial modeling, credit analysis, and proficiency in MS Excel. • Analytical Expertise: Ability to assess financial risks, borrower credibility, and loan structuring strategies. • Communication: Excellent report-writing and presentation skills. • Location: Bangalore-based candidate preferred.

NOW HIRING: Consultant Credit | Where Numbers Tell the Real Story! Ever looked at a Balance Sheet and felt like it spoke to you? Can you spot red flags in financials before anyone else does? Do you believe credit isn't just about numbers—but narratives and nuance? If yes, then this role is your calling. Who We’re Looking For: A sharp finance professional with: A degree in B.Com, CA (Inter), or MBA (Finance) Deep understanding of financial statements (Ind AS & IGAAP) Mastery of ratios, Excel, and financial modeling Jedi-like time management and multitasking skills An eye for detail and a nose for risk What You'll Do: Uncover the story behind the numbers – analyze P&L, BS, and cash flows Evaluate business models, industries, and promoter backgrounds Prepare and present credit appraisals that drive real lending decisions Recommend strategies to protect and grow our portfolio This isn’t just credit analysis. This is financial storytelling. Interested? Tag someone who fits the bill Or send in your resume to: kanimozhi.p@kiya.ai Bring: Your updated resume and a passion for finance! Let’s turn insights into impact. One financial statement at a time.

Job Title: Credit Analyst Job Type: Full-Time Location : Vaishali Nagar Jaipur (Onsite) Reports to: Sr. Credit & Collections Manager Job Summary: Clickforge is a leading organization specializing in innovative solutions and services across multiple industries. With a strong market presence and a commitment to growth, Clickforge is looking for an experienced Credit Analyst to join its finance team. This role requires a proactive individual who can independently monitor, assess, and review customer credit limits, analyze financial statements, and mitigate potential risks and fraud. The ideal candidate will have a strong analytical mindset, excellent problem-solving skills, and the ability to work collaboratively across departments to drive financial stability and growth. Essential Functions/Key Responsibilities: Independently enter, update, and retrieve credit information for new customers while assessing creditworthiness and setting appropriate credit limits. Monitor and reassess credit limits for existing customers to ensure financial stability. Conduct in-depth reviews and analyses of financial statements and credit reports. Assess and mitigate risks associated with outstanding balances and existing customer credit. Evaluate system-held credit orders to determine necessary actions (payment requests, approvals, or additional steps). Complete and process credit references for customers. Provide enhanced support to the collections team, ensuring timely and effective resolution of outstanding payments. Demonstrate strong organizational and time management skills to prioritize tasks efficiently. Navigate and utilize Clickforge systems effectively to manage credit-related functions. Adapt to evolving business needs and growth, continuously improving credit assessment processes. Develop and implement credit management strategies to align with company financial goals. Success Factors/Key Metrics: Strong written and verbal communication skills to interact effectively with internal and external stakeholders. High attention to detail with the ability to detect and prevent potential fraud. Strong analytical mindset with creative problem-solving capabilities. Ability to work independently while effectively managing multiple priorities. Proficiency in Microsoft Office, ERP systems, EDI, and database management software. Effective risk management skills to anticipate and respond to unforeseen financial circumstances. Ability to collaborate across teams, including sales and other business units. Must exhibit a proactive and solution-oriented approach with a can-do attitude. Job Skills and Qualifications/Knowledge and Skills: Bachelor s degree in Finance, Accounting, Business Administration, or a related field. Minimum 4+ years of experience in credit analysis, finance, or a related field. Strong knowledge of credit assessment, risk evaluation, and collections processes. Experience with financial statement analysis and reporting. Excellent organizational and time management skills with the ability to multitask. Preferred Qualifications: Prior experience in a similar role within Clickforge or a related industry. Familiarity with Infor XA or other ERP systems. Strong understanding of industry-specific financial regulations and compliance standards.

Credit Analyst JOB SUMMARY Looking for credit analyst for the fund management team of Max Life Insurance that manages AUM of over Rs 1.70 lac crore and credit portfolio of over Rs 30,000 crores. KEY RESPONSIBILITIES Overall responsibility for managing credit risk, comprising of corporate bonds with credit rating ranging from A to AAA, State development loans, Special purpose vehicles, Infrastructure investment trusts (INVIT), REITs, Alternative investment funds. Credit evaluation of new and active monitoring of existing exposures. Research and maintain database of credit market data/metrics. Individual that has passion for fundamental research, understanding business models of companies from various sectors and having strong background for financial statement analysis. The person to have prior experience in handling credit book (comprising of issuers from various sectors) in Mutual funds, Banks, Credit rating agencies and/or insurance companies. Experience of evaluating structured credit would be an added advantage. MEASURES OF SUCCESS Performance of credit portfolio, new credit additions Active coverage of credit companies and reporting Timely analysis and reporting MINIMUM EDUCATION CA or MBA (Finance) from reputed B-School. MINIMUM/SPECIFIC EXPERIENCE 2-7 years of experience in credit function in a Fund Houses/Insurance co./Banks/Rating agencies. KNOWLEDGE/SKILLS/ABILITIES Good understanding of credit markets Strong customer relationship building skills and presentation skills Good communication, interpersonal skills Highly motivated and high energy personality

Join us as a Customer Service & Operations Credit Analyst We ll look to you to deliver customer and business outcomes, investigating queries, supporting business processes, policies, and procedures, and understanding customer and business needs Specialising in Credit Operations, you ll respond to queries from customers and stakeholders promptly within agreed timelines This is a chance to build on your credit skills and experience in an engaging and fast-paced environment Were offering this role at senior analyst level What youll do As a Customer Service & Operations Credit Analyst, you ll deliver successful customer and business outcomes by processing, authorising, and investigating all transactions to defined key performance indicators and service level agreements. In doing so, you ll identify opportunities to enhance processes and enable the provision of a superior customer and business experience. In addition, you ll: Review documentation including loan applications, disclosures, and credit evaluations Authorise and investigate all credit operations transactions Collect and analyse the required information from the customers and businesses Review credit operations processes which could be automated or enhanced to improve the customer and business experience The skills youll need To succeed in this role, you ll need to have the ability to understand and listen to our customers, develop relationships, and maintain an understanding of their needs. You ll also have the ability to adapt to fast-paced environments and you ll have effective organisation skills to deliver to deadlines. You ll also need: Customer service abilities along with customer and industry knowledge An awareness of changes in trends, policies, and regulations An understanding of our industry and its customers Experience of managing stakeholder relationships Hours 45 Job Posting Closing Date: 14/05/2025

We are looking for a professional Credit Analyst to determine our customers creditworthiness. A credit analyst, also known as a credit risk analyst, determines the creditworthiness and risk profile of an individual or business by analyzing their financial data and deciding whether or not to extend them credit. Tasks, Duties, General Responsibilities: Assessing and maintaining credit limits and assigning credit risk categories for new and existing customers within the company Credit Policy guidelines Delivering of financial recommendations to the business based on financial matrixes. Supporting credit analysis team lead, global AR lead and all member of Treasury organization with daily management tasks related to credit analysis. Writing detailed reports - Create reports using charts, graphs and other visual aids to help make credit decision. Recording anticipated economic environment changes. Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc). Complete ratio, trend and cash flows analyses and create projections. Determine in depth the degree of risk involved. Adhere to credit policy and guidelines. Qualifications 5-7 years proven working experience as a credit analyst. Proven working experience as a credit analyst. Ability to analyze cash flows, leverage, collateral and customer strength. Requires careful attention to detail. Strong problem solving, time management, and critical thinking skills. Ability to work independently and meet tight deadlines. Strong communication and presentation skills. Sound judgement.

We are looking for a professional Credit Analyst to determine our customers creditworthiness. A credit analyst, also known as a credit risk analyst, determines the creditworthiness and risk profile of an individual or business by analyzing their financial data and deciding whether or not to extend them credit. Tasks, Duties, & General Responsibilities: Assessing and maintaining credit limits and assigning credit risk categories for new and existing customers within the company Credit Policy guidelines Delivering of financial recommendations to the business based on financial matrixes. Supporting credit analysis team lead, global AR lead and all member of Treasury organization with daily management tasks related to credit analysis. Writing detailed reports - Create reports using charts, graphs and other visual aids to help make credit decision. Recording anticipated economic environment changes. Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc). Complete ratio, trend and cash flows analyses and create projections. Determine in depth the degree of risk involved. Adhere to credit policy and guidelines. Qualifications 5-7 years proven working experience as a credit analyst. Proven working experience as a credit analyst. Ability to analyze cash flows, leverage, collateral and customer strength. Requires careful attention to detail. Strong problem solving, time management, and critical thinking skills. Ability to work independently and meet tight deadlines. Strong communication and presentation skills. Sound judgement.

Job Opportunity- Credit Analysis - Large Corporate- Bangalore Senior Credit Analyst - Large corporates Skill : Experience in analyzing global / regional large corporate & mid-sized corporates would also be accommodated Location- Bangalore Role & responsibilities Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk. Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines. Assure post approval activities and other credit related tasks are completed on time. Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations Preferred candidate profile Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral Knowledge of capital markets / traded products, commercial financing facilities and investment banking products Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation Ability to prepare financial models / forecasts for various scenarios Ability to complete work with minimal or no supervision and accommodate shifting priorities Perks and benefits

Role & responsibilities: Outline the day-to-day responsibilities for this role. Preferred candidate profile: Specify required role expertise, previous job experience, or relevant certifications. Perks and benefits: Mention available facilities and benefits the company is offering with this job.

Kinara Financial Private Limited is looking for Central Credit Analyst to join our dynamic team and embark on a rewarding career journey. Central Credit Analyst is responsible for overseeing and optimizing central credit analyst operations. This role involves strategic planning, team coordination, and execution of tasks to ensure efficiency and productivity. The incumbent will collaborate with stakeholders to align operations with business goals. Duties include monitoring performance, ensuring compliance with policies, and implementing best practices. Additionally, they will manage resources, resolve operational challenges, and contribute to continuous improvement initiatives. Strong analytical skills, leadership abilities, and industry knowledge are essential for success in this role.

Sumitomo Mitsui Banking Corporation Performing credit analysis / monitoring of existing clients. Prepare credit application / credit grading / self - assessment for assigned clients. Generate detailed financial modelling using a range of models to provide comprehensive information and analysis. Support the corporate customers for their banking requirements; products including fun based, non-fund based, treasury, trade, CMS. Preparing presentations and reports on behalf of seniors for presentations to external parties such as customers and advisors. Collect necessary data and information to support marketing and execution of transactions. Support the RMs on new business opportunities through analysis and review of financial information. Understand and maintain internal compliance requirements Additional items related to the above designated by the Department Head from time to time Helping the RM Team with prospective of new clients – both local and MNC. Primary Responsibilities ( These are the key work activities to achieve the position objective. Limit this section to essential responsibilities.) Percentage (%) of Time Spent Credit Proposal Writing 50% Portfolio Management, meeting internal and client requirements 30% Prospecting New clients along with RM 20% Knowledge, Skills, Experience & Qualifications Understanding financial concepts, economics and industry trends Strong numerical and financial skills with the ability to interpret financial information and able to design and use financial models MBA from a reputed premier institution, Chartered Accountant or CFA Knowledge, Skills, Experience & Qualifications Understanding financial concepts, economics and industry trends Strong numerical and financial skills with the ability to interpret financial information and able to design and use financial models MBA from a reputed premier institution, Chartered Accountant or CFA

Job Title: Senior Credit Analyst Job Location: Goregaon Mumbai Job Type: Full-Time( Day Shift) Job Summary: The Senior Credit Analyst is responsible for evaluating the creditworthiness of potential and existing clients, providing insights to mitigate risks, and making informed recommendations to management regarding credit approvals and limits. The role involves analyzing financial statements, assessing economic conditions, and monitoring credit risk to ensure sound lending decisions. Key Responsibilities: 1. Assess the creditworthiness of individuals, companies, or investment opportunities by analyzing financial data and credit reports. 2. Prepare comprehensive credit risk analysis reports and present findings to senior management. 3. Monitor and review credit portfolios to ensure compliance with internal policies and external regulations. 4. Conduct industry and market research to identify potential risks and opportunities. 5. Collaborate with loan officers, risk managers, and other departments to develop credit strategies. 6. Stay informed about economic trends and changes in financial markets to anticipate credit risks. 7. Recommend adjustments to credit limits, terms, and loan structures as necessary. 8. Maintain strong relationships with clients and stakeholders to ensure accurate and timely information. Required Qualifications: 1. Bachelors degree in Finance, Accounting, Economics, or related field. 2. Minimum of 2+ years of experience in credit analysis or related field. 3. Strong knowledge of financial analysis, risk management, and credit evaluation. 4. Proficiency in financial modeling, credit assessment tools, and Microsoft Excel. 5. Strong attention to detail and ability to work with complex financial data. 6. Excellent communication and interpersonal skills.

Kinara Financial Private Limited is looking for Branch Credit Analyst to join our dynamic team and embark on a rewarding career journey. Review credit applications and perform credit checks. Structure deals and perform risk assessments. Draft models of credit information that predict trends and patternsAssessing, analysing and interpreting complicated financial informationUndertaking risk analysis by developing statistical modelsProficient in Microsoft Office. Advanced Excel skills.

Roles and Responsibilities: Work with the Relationship Managers in structuring, analysing, and negotiating credit transactions. Responsible for full cycle underwriting of assigned small business financing. Determine the ability of the client to repay financing based on analysis of the clients cash flow statements, US tax returns (such as 1120, 1120S, 1065, 1040), and other financial information. Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy. Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts. Coordinate with Relationship Managers regarding customer calls and site visits Perform other due diligence as needed to determine the creditworthiness of a small business owner. Open to Work in Night Shift. Desired Candidate Profile - Bachelors/Master's degree in finance and accounting or related field Formal credit training preferred. Experience working in a financial institution underwriting small businesses; 3+ years in a commercial credit analysis or commercial underwriting role working with small businesses a plus. Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections. Proficient in various spreadsheet and word processing applications (Excel and Word are preferred) including the use of graphs/charts, and Moody's financial analysis software. Basic knowledge of credit principles, lending operations, loan research, due diligence searches such as SOS, Clear report, TLOx Transunion, NYCs, Westlaw/Dockets, Credit bureau reports and general credit policies

CRISIL is looking for Credit Analyst to join our dynamic team and embark on a rewarding career journey Review credit applications and perform credit checks Structure deals and perform risk assessments Draft models of credit information that predict trends and patternsAssessing, analysing and interpreting complicated financial informationUndertaking risk analysis by developing statistical modelsProficient in Microsoft Office Advanced Excel skills

Roles and Responsibilities: - Manage client relations and operational workflows. - Support business objectives and ensure efficient processes. - Collaborate with internal teams and meet service standards. Required Skills: - Communication and problem-solving. - Customer focus. - Analytical and proactive mindset. Key Skills: Operations, Client Management, Workflow Management, Customer Service

Join us as a Customer Service & Operations Analyst We ll look to you to deliver successful outcomes for your customers by investigating their queries and understanding their needs. You ll be liaising with customers and businesses to accurately collect information to solve their queries. You ll be able to showcase your knowledge and enthusiasm as you deal with a variety of different customers daily. Were offering this role at senior analyst level. What youll do As a Customer Service & Operations Analyst, you ll be responding to queries from customers promptly and tactfully within our SLAs. We re looking for someone with strong interpersonal skills to listen to our customers, develop relationships with them and always maintain an understanding of their needs. Your day-to-day will include: Authorising and investigating all transactions to our KPIs Collecting and analysing the required information from the customers and businesses Reviewing processes which could be automated or enhanced to improve the customer and business experience. Supporting with process training and knowledge sharing in the team The skills youll need To excel in this role, you ll have strong customer service abilities along with customer and industry knowledge. You ll also work well in a fast-paced environment and have good organisational skills for delivering to deadlines. You ll also demonstrate: An awareness of changes in trends, policies and regulations An understanding of our industry and its customers

Pre and Post Sanction Credit Analyst (Operations) Job Overview: The Pre and Post Sanction Credit Analyst is responsible for managing both the pre-approval and post-approval stages of the credit process. This role involves conducting thorough credit analysis, evaluating risk factors, ensuring compliance, and monitoring the credit lifecycle from application to post-sanction monitoring. The analyst plays a critical role in supporting the company s lending decisions by assessing the financial viability and risk of potential borrowers, as well as ensuring adherence to credit policies and regulatory standards after credit has been approved. Key Responsibilities: Pre-Sanction Responsibilities: Credit Assessment: Review and analyze loan or credit applications to evaluate the creditworthiness of potential borrowers. This includes scrutinizing financial statements, credit reports, business plans (for commercial clients), and other relevant documentation. Due Diligence: Perform thorough due diligence by verifying applicant information, including employment verification, property appraisals (for mortgages), secured and unsecured lending and the authenticity of financial documents. Conduct PD (CPV) report Decision Support: Provide recommendations to management and the credit committee based on a detailed risk analysis, ensuring that credit decisions align with company policies and regulatory requirements. Post-Sanction Responsibilities: Loan Documentation: Ensure that all necessary documentation (loan agreements, security documents, etc.) is collected, reviewed, and accurately processed before disbursement. Risk Management: Continuously assess post-sanction risks and proactively address any issues related to payment delays, defaults, or any other concerns that may affect the loan s performance. Portfolio Review: Conduct periodic reviews of the credit portfolio to identify any emerging risks, changes in borrower circumstances, or industry shifts that may affect the creditworthiness of borrowers. Restructuring Modifications: In cases of financial distress or non-compliance, assess the need for loan restructuring, and propose modifications to the loan agreement in consultation with relevant departments. Client Relations: Maintain regular communication with clients after the loan is sanctioned to ensure that they are informed of any changes or issues. Address borrower queries related to repayment or credit terms. Collections Support: In the event of defaults or delinquencies, work with collections teams to support recovery efforts, while ensuring that collection practices comply with internal policies and legal requirements. Qualifications: Education: A Bachelor s degree in finance, accounting, economics, or a related field. A master s degree or professional certification (e.g., CFA, FRM) is a plus. Experience: Minimum of 3 years of experience in credit analysis, risk management, or a similar role. Prior experience in pre and post-sanction credit management, banking, or financial institutions is preferred. Skills Abilities: Strong analytical and problem-solving skills. Ability to assess credit risk and determine appropriate terms and conditions. Knowledge of financial statements, credit reports, and financial modeling. Familiarity with credit underwriting processes and loan structures. Proficiency in credit analysis tools, financial software, and Microsoft Office Suite. Strong attention to detail and accuracy in processing and analyzing credit information. Effective communication skills for both client interaction and internal reporting. Ability to manage multiple tasks and prioritize effectively in a fast-paced environment. Strong understanding of regulatory requirements and lending practices. Certifications (Optional): Certifications such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.

Self-management, self-starter with strong grasp of financial products and services relevant to real estate development projects. Team player Detail-oriented and results-driven, with a focus on delivering high-quality work and achieving organizational objectives Excellent communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders. Strong Negotiation & liasoning with bankers, external agencies Financial Modelling, Cash flow analysis, Analysis of various factors specific to real estate Thinking skills (problem solving and decision making) Microsoft proficiency (Excel, Word) Key attributes:- Analytical skill, attention to detail, Financial acumen, Integrity Interaction with the Clients, understanding their requirements, collating required data for preparation and submission of the proposal to Banks/ FI's Evaluating clients credit data and financial statements for preliminary risk assessment In-depth credit assessment involving Financial, Credit, Legal, Technical, Economic and risk analysis. Structuring the proposal, Review Information Memorandum, Teasers, Financial model, cash flow and CMA projections Proficient in excel & preparation of CMA data, financials Solution-oriented attitude and resolving queries of all Banks and Clients Ability to lead, negotiate and resolve, manage stakeholders expectations Ability to build relationship at top levels of Financial institutions (FI) Stay updated on market trends, competitor activities, and regulatory changes impacting the real estate finance landscape in Mumbai & Navi Mumbai, providing strategic insights to senior management. Financial market & economy. Capability to interact with financial institutions for transaction structuring, due diligence and documents. Handling of multiple transactions at a time Minimum of 2 years of experience as Credit executive position within the real estate finance industry, with a strong grasp of financial products and services relevant to real estate development projects. CA or MBA