Credit Analyst

The Credit Analyst will be responsible for appraising proposals and working closely with the Relationship Manager and Funding Specialists. You will be responsible for the appraisal of SME loans, approving documents, and generating analysis reports based on the analysis of the borrower's cash flow statements, tax returns, and other financial information. Additionally, you will perform and verify system-generated detailed financial and ratio analysis, interpret financial information to determine credit quality, and interact with borrowers for any additional information. To be successful in this role, you should have strong analytical skills, including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis, and projections. Proficiency in Excel, including the use of graphs/charts, is required. Basic knowledge of credit principles, lending operations, loan research, and general credit policies is also essential. We are looking for a detail-oriented team player with the ability to work well under pressure and multi-task. Strong written and verbal communication skills, problem recognition, resolution skills, and preferred education qualifications such as Inter CA/M. Com/MBA/PGDM in Finance Specialization are preferred.,