Credit Analyst

Whatsapp - 7888425961 Job Description: As a Credit Analyst specializing in home loans, you will play a crucial role in assessing the creditworthiness of prospective borrowers and ensuring the quality and integrity of our loan portfolio. Working within a dynamic and collaborative team, you will leverage your analytical skills and industry knowledge to make informed lending decisions while adhering to regulatory requirements. Conduct thorough analysis of loan applications, including financial statements, credit reports, and supporting documentation, to evaluate applicants' creditworthiness and ability to repay loans. Key Responsibilities: 1. Identify and evaluate potential risks associated with each loan application, including credit, financial, and collateral risks, and recommend appropriate risk mitigation strategies. 2. Collaborate effectively with internal stakeholders, including loan officers, underwriters, and senior management, to communicate credit decisions, resolve issues, and provide guidance on credit-related matters. 3. Make informed and timely lending decisions based on the results of credit analysis, balancing risk and reward to maintain a high-quality loan portfolio. 4. Ensure compliance with internal credit policies, as well as regulatory guidelines and industry best practices, throughout the credit assessment process. 5. Stay abreast of industry trends, market conditions, and regulatory changes affecting the home loan market, and contribute to the ongoing enhancement of credit policies and procedures. Qualifications- 1. Bachelor's degree in finance, accounting, economics, or a related field. Additional certifications (e.g., CPA, CFA) are advantageous. 2. Strong attention to detail, critical thinking, and problem-solving abilities, with a commitment to delivering accurate and timely results. Shift Timings- 06:00 am to 2:30 pm Job Types: Full-time, Permanent, Fresher Pay: ₹240,000.00 - ₹360,000.00 per year Benefits: Paid sick time Paid time off Schedule: Day shift Fixed shift Monday to Friday Morning shift Weekend availability Supplemental Pay: Performance bonus Experience: total work: 1 year (Preferred) Work Location: In person