Credit Analyst - NBFC

As a Credit Analyst - LAS, your main responsibilities will revolve around conducting financial analysis to assess the creditworthiness of individuals and businesses. You will be tasked with reviewing financial statements, cash flow, and various financial metrics to make informed credit evaluations. Your expertise will be crucial in recommending suitable credit limits and terms based on in-depth risk assessments. It will be your responsibility to stay updated on industry trends, market conditions, and regulatory changes to ensure that credit risk decisions are well-informed. Additionally, you will be preparing and presenting credit reports and risk assessments to senior management, playing a key role in strategic decision-making processes. Ensuring compliance with internal credit policies and regulatory standards will also fall under your purview. Collaboration will be a vital aspect of your role, requiring close work with cross-functional teams such as credit, relationship management, and risk departments. Your aim will be to streamline credit processes and enhance efficiency across the board. To excel in this role, you are expected to hold the educational qualifications of a Chartered Accountant (CA), preferably cleared in the first attempt. Your strong financial acumen should be complemented by expertise in financial statement analysis, accounting principles, and financial ratios. Advanced analytical skills will be necessary to assess complex financial health and associated risks effectively. Attention to detail is key in this role, as you will be required to identify discrepancies and proactively mitigate risks. Excellent written and verbal communication skills are essential for presenting financial data and credit recommendations clearly. Proficiency in Microsoft Excel and other financial analysis tools is a must, along with a proven ability to lead credit assessments and collaborate efficiently with cross-functional teams to drive positive business outcomes.,