Credit Analyst SME Lending

Role Overview: You will be a Credit Analyst focusing on SME Lending in a full-time on-site role based in Gurugram. Your main responsibilities will include assessing the creditworthiness of SME clients, conducting financial analysis, managing credit operations, preparing credit reports, and ensuring compliance with credit policies. Regular communication with stakeholders to provide insights and recommendations will also be a key part of your role. Key Responsibilities: - Underwrite and appraise credit proposals based on company policies, ensuring timely processing. - Analyze financial statements, cash flows, and ratios to assess funding requirements. - Conduct quantitative and qualitative analysis, including creditworthiness, banking, statutory, and legal checks for risk evaluation. - Meet customers personally, conduct internal/external reference checks, and verify business operations on-site for effective customer interaction. - Make informed decisions (approve/reject) based on comprehensive analysis and risk evaluation for efficient decision making. - Work closely with sales, cross-sell teams, and operations to support business growth and ensure smooth loan disbursement through collaboration. - Suggest improvements or changes in underwriting policies based on portfolio analysis and market trends for policy recommendations. Qualification Required: - Credit Management and Credit skills - Analytical Skills and Finance knowledge - Excellent Communication skills - Experience in SME Lending or Financial Services is a plus - Attention to detail and ability to work under pressure (Note: There are no additional details of the company mentioned in the job description.),