Credit Analyst: Working Capital - CA's

Oxyzo Financial Services

3 - 7 years

18 - 20 Lacs

bengaluru

Posted:1 day ago| Platform:

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Skills Required

credit underwriting bank guarantee sme banking credit analysis credit appraisal business banking sme credit od working capital credit assessment term loan emerging corporates wholesale banking cash credit

Work Mode

Work from Office

Job Type

Full Time

Job Description

Key Responsibilities:

Credit Assessment:
Underwrite and appraise credit proposals based on company policies, ensuring timely processing.
Financial Analysis:
Analyze financial statements, cash flows, and ratios for assessing funding requirements.
Risk Evaluation:
Conduct quantitative and qualitative analysis, including creditworthiness, banking, statutory, and legal checks.
Customer Interaction:
Meet customers personally, conduct internal/external reference checks, and verify business operations on-site.
Decision Making:
Make informed decisions (approve/reject) based on comprehensive analysis and risk evaluation.
Collaboration:
Work closely with sales, cross-sell teams, and operations to support business growth and ensure smooth loan disbursement.
Policy Recommendations:
Suggest improvements or changes in underwriting policies based on portfolio analysis and market trends.

Qualifications

Strong credit management, finance, and analytical skills
Excellent communication and customer-handling abilities
Relevant experience in credit/finance industry preferred
CA or similar professional qualification (CFA, CMA, MBA-Finance) is highly preferred

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