Credit Analyst

As an experienced Credit Analyst at Moksha Financial Services Pvt. Ltd., your role involves: - Conducting credit appraisal and assessment, including working capital cycle assessment. - Evaluating collaterals for loan applications. - Structuring various types of loans such as CC Limit, OD Limit, Project Loans, etc. - Managing Turnaround Time (TAT) for loan processing. - Ensuring compliance with regulations and thorough documentation. - Monitoring loan portfolios, handling profiles, and managing risks effectively. - Coordinating with stakeholders involved in the loan process. - Analyzing loan applications and determining feasibility within TAT. - Ensuring timely completion of paperwork and bank logins. - Handling the process from bank login to sanctioning within TAT. - Participating in customer visits before loan renewals. - Collecting references and testimonials from customers to assess creditworthiness. Qualifications required for this role: - A qualified CA/CS/CFA with a Bachelor's or Master's degree in Finance, Accounting, or a related field. - 3-5 years of experience in credit analysis, preferably in SME lending. - Strong analytical and technical skills. - Excellent communication and negotiation abilities. In addition to the specific responsibilities and qualifications, you should also possess the following technical skills: - Proficiency in financial statement analysis. - Knowledge of credit appraisal techniques. - Understanding of risk assessment frameworks. - Familiarity with banking regulations and RBI guidelines. - Ability to use MS Excel for financial modeling and credit analysis effectively. Please note that this is a full-time position that requires you to work in person at the Indore office of Moksha Financial Services Pvt. Ltd.,