Credit Analysis Intellectual Capital HR Consulting Pvt. Ltd.

3.0 - 7.0 years

0 Lacs

maharashtra

On-site

As a Credit Analyst, you will play a crucial role in the strategic decision-making process by establishing and implementing credit assessment policies, frameworks, and guidelines. Your responsibilities include advising management on risk-related issues and funding decisions. It is essential to build and maintain strong relationships with funders, corporates, and stakeholders, acting as a bridge between them to enhance the understanding of credit profiles. In the realm of Credit Analysis, you will be analyzing financial statements, balance sheets, profit & loss accounts, and cash flow statements to evaluate the financial health of corporates. Risk assessment is a key component of your role, where you will assess creditworthiness based on metrics like leverage, liquidity, profitability, and solvency while identifying and quantifying associated risks. Additionally, studying industry trends, market conditions, and sectoral risks impacting corporates will be crucial in your analysis. You will be responsible for structuring financial covenants and monitoring mechanisms to mitigate credit risk effectively. Drafting comprehensive credit appraisal notes and proposals for funders, highlighting strengths, risks, mitigants, and transaction structures will be part of your routine tasks. Effective stakeholder communication is vital, where you will need to clearly present and explain credit cases to funders, addressing their concerns. Ensuring regulatory adherence and compliance with local regulations and funding institution policies is imperative in this role. Ongoing monitoring of credit facilities, overseeing performance reviews, covenant compliance, and identifying early warning signs are essential for risk management. To excel in this role, you must possess technical financial skills, risk management acumen, and the ability to effectively articulate business cases to stakeholders. By demonstrating proficiency in credit analysis and maintaining strong relationships with various stakeholders, you will contribute significantly to the overall financial health and risk management of the organization.,

Posted 1 week ago

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