Credit Analyst-Unsecured Business Loan

Skills:

Finance expert, Credit risk, Loan underwriting, Credit Analyst, business finanace, credit score, Bank Statement Analysis, KYC Compliance,
We are looking for detail-oriented and analytical Credit Analyst to join our Credit team. The candidate will be responsible for assessing creditworthiness, credit analysis, preparing CAMs, managing credit risk, and ensuring the financial stability of our customers (NBFC). This role involves evaluating credit applications, monitoring existing credit accounts, and collaborating with internal teams to support informed credit decisions.
Our ideal candidate has a solid understanding of lending procedures, excellent problem-solving skills, and a professional attitude towards managing credit issues.

Responsibilities

Credit Evaluation

: Analyse credit applications and financial statements to assess credit risk and determine appropriate credit limits and terms.

Risk Assessment

: Conduct thorough credit risk assessments using quantitative and qualitative methods. Monitor and review credit risk exposure for wholesale accounts.

Data Analysis

: Utilize financial data, market trends, and credit scoring models to evaluate the financial health of wholesale customers.

Reporting

: Prepare detailed credit reports and summaries for senior management, highlighting potential risks and recommending action plans.

Customer Interaction

: Communicate with customers to gather necessary financial information, address credit concerns, and negotiate terms and conditions.

Credit Policy Adherence

: Ensure compliance with company credit policies and procedures. Recommend updates or improvements to credit policies as needed.

Collection Support:

Collaborate with the collections team to manage overdue accounts and resolve any credit-related issues.

Market Research:

Stay informed about industry trends, economic conditions, and competitor activities to anticipate potential credit risks.

Presentation

: Preparing and presenting reports on credit related activities to upper management

Qualifications

• Proven work experience as a Credit analyst or similar role
• Knowledge of credit-related laws and regulations
• Experience performing credit reviews and risk assessment
• Proficiency with databases and software for processing credit applications
• Strong analytical and negotiation skills
• Excellent organizational and leadership skills
• Graduate and above, bachelor's degree in business administration, Finance or relevant field will be preferred.
• Good understanding of accounting standards, balance sheet analysis,
  

Additional Information

• Job Title: Credit Analyst
• Work Environment: Office setting. Some travel may be required for client meetings.
• Reporting Structure: As per management decision
• Salary: Salary is based upon candidate experience and qualifications, as well as market and business considerations.
• Location: [Pune, Maharashtra]
• Employment Type: Full-time
• Equal Opportunity Statement: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, gender, age, marital status, veteran status etc..