54 Credit Analyst Jobs - Page 2

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.

Position: Credit Analyst As a Credit Analyst, you will play a critical role in evaluating the creditworthiness of borrowers, monitoring portfolio risk, and ensuring robust credit practices. This position offers a blend of hands-on portfolio management, credit assessment, and cross-functional collaboration with key teams such as Operations, Legal, Tech, and Compliance. Roles & Responsibilities: Conduct comprehensive credit analysis, including financial statements, cash flows, business performance, projections, and external data to assess creditworthiness. Prepare Credit Appraisal Memos (CAMs) and supporting documentation for internal and external stakeholders, including lenders. Monitor portfolio health and credit risk at both transaction and portfolio levels. Identify early warning signals (EWS) in borrower accounts and work with business teams to recommend mitigation strategies. Support the Operations team in updating credit policies and frameworks in line with risk appetite, profitability, and growth goals. Perform ad-hoc and deep-dive analysis to identify drivers of credit performance and recommend actions. Engage with internal stakeholders, including Operations, Legal, Audit, Compliance, and Tech, to ensure seamless credit lifecycle management. Stay updated on rural economic trends and assess their potential impact on credit risk and lending strategies. Participate in cross-functional discussions and contribute to high-quality credit decisions with a balanced risk-reward approach. Competencies: Strong analytical, financial, and business evaluation skills. Ability to conduct in-depth analyses of financial statements, GST, and operational data. Working knowledge of financial modelling, credit scoring, and portfolio analytics. Ability to work in a high-volume and fast-paced environment. Effective communicator with the ability to collaborate across functions and present complex ideas clearly. High attention to detail with a structured and data-driven problem-solving approach. Ability to deliver professional analyses on spreadsheets and presentations Qualification: CA or MBA in Finance from a reputed institute. 2-4 years of experience in credit evaluation, underwriting, or credit research, preferably in Banks, NBFCs, fintech, credit rating agencies, or mutual funds. Experience in conducting Credit Assessment of business loans in Banks, NBFCs, or fintech will be a strong advantage. Location: BKC, Mumbai Setup: Full-time work from office

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 and 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 Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader Team Size Grade Business Department CBG Sub - Department Location 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 Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

Credit Analyst - Working Capital - Mumbai / Hyderabad - Bank. Person taking care of mid corporate.

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPAs(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

About Wholesale Banking Coverage Group: The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oiland Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities About the Role: The Credit Analyst is responsible for analysing the risk profile of the companies in the respective industries and ensure preparation of conclusive credit proposals and detection of potential risk triggers. The credit analysts also interact with the companies to keep an update on the developments in the sector and its impact on company. Key Responsibilities Analyse the financial and business risk profile of companies, assign Credit rating and prepare conclusive and focused credit proposals Monitor and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers Provide quality analysis compliant with RBI guidelines, legal and other internal compliances that leads to a sound decision making Ensure NPA /restructuring levels for the group are minimized Qualifications: Optimal qualification for success on the job is: CFA/ CA/ MBA (Finance) from a recognized institute Role Proficiencies: For successful execution of the job, the candidate should possess the following: In-depth knowledge of key drivers and indicators in the relevant sectors A solid understanding of financial statements, ratios Understanding of compliance and regulatory norms Good relationship management and strong communication and presentation skill Proficiency in MS Excel, Word and Power Point #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

About Bharat Banking Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel. About the Role The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location. Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes and guidelines as designed by the bank. Key Responsibilities Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or recommend for approval to higher authorities Analysis of financial statements, company background and other related quantitative and qualitative) Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on internal model and suggest risk based loan pricing for the proposed deal. Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants. Interaction with all NTB/ETB cases along with Relationship Team in order to understand the business model and highlight key risks factors and mitigants to make the case bankable. Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities. Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages towards delinquencies and detect early warning signals to be acted upon. Ensure timely completion of limit renewals of the existing cases. Understanding trade transaction requests made by client and providing credit approvals to execute the transaction. Coordinating with Audit, Compliance, and operations for resolution of queries and documentations. Qualifications Optimal qualification for success on the job is: Graduation/ Post- Graduation (MBA/ CA preferred not mandatory) Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM preparation for SME/Agri./Corporate borrowers.) Role Proficiencies For successful execution of the job, the candidate should possess the following: Knowledge of industry Good communication (both verbal and written) skill Ability to handle pressure and meet deadlines #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

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 and 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 The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in 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.) Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conducting review / renewal of accounts Maintaining 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

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 and 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 The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in 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.) Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conducting review / renewal of accounts Maintaining 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

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader? Team Size Grade Business Department CBG Sub - Department Location 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

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader? Team Size Grade Business Department CBG Sub - Department Location 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

The SCA will be responsible for structuring working capital and term loan cases, validating CMA data, preparing investor/lender pitch decks, and ensuring bank ready documentation for all client mandates across company’s credit-related verticals.

We are a leading global investment management firm offering high-quality research and diversified investment services to institutional clients, retail investors, and private-wealth clients in major markets around the globe. With over 4,000 employees across 57 locations operating in 26 countries and jurisdictions, our ambition is simple: to be the most trusted investment firm in the world. We realize that its our people who give us a competitive advantage and drive success in the market, and our goal is to create an inclusive culture that rewards hard work. Our culture of intellectual curiosity and collaboration creates an environment where you can thrive and do your best work. Whether youre producing thought-provoking research, identifying compelling investment opportunities, infusing new technologies into our business or providing thoughtful advice to our clients, we are fully invested in you. If youre ready to challenge your limits and empower your career, join us! Summary of Role AllianceBernstein is seeking a Hong-Kong or Singapore-based Economist focusing on Emerging Asia (excluding China). The Emerging Market Economic Research team is a global organization with team members in London and New York. Our economists systematically identify and analyse macroeconomic and financial market trends and investment opportunities in fixed income and currency markets. They work closely with our portfolio managers to translate macro trends and market dislocations into appropriate risk exposures in client portfolios. Our emerging market economists collaborate closely with corporate credit analysts and across investment teams to leverage their sovereign knowledge and skills for all our fixed income strategies. Responsibilities Provide economic and financial market forecasts for Emerging Asian economies (excluding China). Focus countries include Indonesia, India, Malaysia, Philippines, and Thailand, but coverage could expand based on investment opportunities. Develop comprehensive investment narratives and investment recommendations across asset classes (external debt, local debt, currencies), leveraging our proprietary systematic frameworks. Identify emerging macroeconomic and geopolitical trends and risks in Asia, which could have an impact on emerging market and global investment portfolios. ESG analysis, model validation, and engagement. Qualifications Strong economic, analytical and quantitative skills, demonstrated through academic and professional record. Ability to think broadly about macroeconomic trends and asset price implications. Relentless drive with a passion for research and investment strategy. Excellent communications skills. Ability to work well both independently and on teams. Experience Level 5+ years experience as an economist or sovereign credit analyst for Emerging Asia. Pune, India

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

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 in order to solve their queries you'll be able to showcase your knowledge and enthusiasm as you deal with a variety of different customers on a daily basis we're offering this role at senior analyst level What you'll do As a Customer Service & Operations Credit 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 maintain an understanding of their needs at all times. 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 you'll need In order to excel in this role, you'll have strong customer service abilities along with customer and industry knowledge. you'll also work we'll 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

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

Position - Credit Audit Wholesale - Team Member BU/Function - Audit Reporting to Head Credit Audit Responsibilities/ Job Description - Responsible for conducting independent review /audits of the Wholesale Banking portfolio to ensure the accuracy, compliance, and effectiveness of Credit Processes, risk management and loan documentation. Participate in audits of various businesses, processes and operations related to Wholesale Banking. The position will require in-depth understanding of Credit Risk management, Regulatory requirements, and internal policies with focus on mitigating risks. Drafting and issuance of findings and discussion with Auditee for closure of same. Assist in Planning, designing and implementation of risk based audit plans to ensure safety and soundness of the Bank. Ensure completion of assigned audits and documentation of work papers on time. Track status of issues reported and closure of open audit points. Assist in keeping relevant processes benchmarked to the Best Practices and peer banks. Assist in keeping Audit Procedure Manual and checklists current and updated. Provide improvement/ suggestions to existing process / systems to line management Provide oversight to the Concurrent Audit process. Ensure submission of concurrent audit reports on time Ensure regular update of concurrent audit checklists Ensure appropriate review of concurrent audit issues Ensure follow-up & rectification of concurrent audit issues

The role would involve supporting S&P primary analysts, based out of North America, EMEA and Asia Pacific regions, to arrive at / monitor credit ratings for issuers across various industries. Analysis would cover surveillance of a portfolio of companies as we'll as responding to market events that could potentially lead to a change in ratings. Analyze business performance, including: o Industry dynamics and regulatory trends o Evaluating country and macroeconomic risk o Competitive and market position o Strategy / execution / management of the companies o Trends in profitability and peer comparisons Analyze financial performance, including: o Understanding accounting standards o Financial governance and policies o Analysis of financial ratios and trends o Liquidity / short-term factors o Understanding the capital structure of companies Assist the primary analyst(s) in the preparation of in-depth financial models - historical and projections Prepare comprehensive internal credit research reports and notes covering the aforementioned operational and financial factors. Assist primary analyst(s) in preparing publishable credit reports Process Adherence Focus on review / QC, adding analytical inputs, when required Create and maintain base level training, process manuals & documentation to ensure smooth execution of tasks Adopt the defined processes in day to day execution of assignments Identify process improvement avenues and identify value added work Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization. Suggest that trading/holding in shares belonging to a Corporate entity/Infrastructure company is prohibited Client Management / Stakeholder Management Build and maintain relationships with S&P team Set expectations with clients regarding scope of work, timelines for routine tasks People Development Provide analytical mentoring to junior members of the team Implement team-level initiatives Candidate Profile Prior experience in analysing company s financial and operational performance is a must Excellent oral and written communication skills Sharp analytical thought process Understanding the key industry risks and competitive forces Understanding of accounting and financial analysis and concepts Positive attitude with qualities of a team player Innovative and solution orientation Open to new ideas and initiatives Ability to build client relations and take a view based on client guidance Ability to deal with pressure Essential Qualifications Two years full-time MBA (Finance) or equivalent OR CA Preferred Qualifications Two years full-time MBA (Finance) or equivalent OR CA Mandatory Skills Financial ratios forecasting, report writing, Credit Risk Analysis

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.