Credit Analyst
jai kisan
- Mumbai, Maharashtra
- Permanent
- Full-time
- Credit Assessment: Conduct comprehensive analysis of credit proposals, including business operations, financial statements, performance, and projections to evaluate the creditworthiness of entities.
- Relationship Management: Engage with key management personnel of rated entities to understand their strategy, background, business model, and risks.
- Credit Proposal Preparation: Prepare credit notes and present proposals to lenders to facilitate quick and successful loan sanctions. Ensure adherence to the terms and conditions of each lender.
- Portfolio Management: Oversee the end-to-end borrower journey from proposal receipt to loan disbursement. Conduct periodic reviews of customer performance and monitor portfolio quality.
- Risk Mitigation: Take necessary steps for risk mitigation, ensuring compliance with legal and documentation norms. Highlight credit risks and propose mitigating actions to relevant approving authorities.
- Lender Relationship and Product Structuring: Coordinate with lenders for portfolio diversification and profitability. Structure financial products based on applicant requirements in collaboration with lenders.
- Team Leadership and Management: Lead and manage a team of credit analysts and associates, including staffing, talent retention, training, coaching, and performance management.
- Reporting and Stakeholder Coordination: Prepare and present regular management information system (MIS) reports on portfolio performance. Coordinate with stakeholders and ensure alignment of objectives.
- Process Efficiency and Automation: Identify opportunities for process efficiency and digitization using tools and technology. Collaborate with operations, product, and tech teams to implement automation solutions.
- Additional Responsibilities: Complete any additional tasks assigned by senior management as and when required.
- CA or MBA in Finance from a premier Institute
- 1-3 years of experience in credit evaluation or fixed income fundamental research with Banks/NBFC/Start- ups/Credit rating agency/Mutual Funds/Insurance companies.
- Experience in conducting Credit Assessment of business loans in Banks/NBFC/Fin- tech will be an added advantage
- Solid grasp of financial analysis and risk models.
- Ability & keen interest in understanding Businesses and its drivers.
- Hands-on experience in Excel; love working with numbers and analytical in your approach.