Role : Credit Analyst
Job description: A leading Fintech Company is looking for Credit Analyst / Credit Associates with 0-2 years experience with Banks/ NBFC at its Corporate Office at New Delhi
Industry Type : Fintech, Financing, NBFC
Functional Area: Credit Appraisal, Investment, Credit Risk
Employment Type: Full Time, Probation of 6 months
Role Category: Investment and Lending
Education: Commerce Graduate with MBA (Finance)
Exp: 0- 2 years
Education : Commerce Graduate with MBA
CTC: 2.4 Lacs to 5.0 Lacs/ Annum
Role :
Involved in doing credit analysis, credit underwriting and credit analysis for Small and Medium Enterprises (SME) Corporates.
- Assess a customers business and/or transaction structure through the analysis of business, transactional, market and credit risks associated with the provision of the Banks products and services to the customer.
- Responsible for developing CAM or Credit Appraisal report or Credit assessment reports
- Develop highly thought out, top quality credit analysis and solutions, with the view to obtaining credit approval from Sanction Authority / Committee
- The preparation of credit proposals for recommendation and presentation to the Sanction Authority / Committee.
- Credit Monitoring of existing clients on on going basis including timely renewals of deserving cases.
- Work very closely in partnership with Relationship Points on new credit Applications, providing preliminary guidance on credit appetite and consulting with credit specialists under own initiative, to shape bespoke customer/risk solutions.
- Proactively contribute to change management initiatives in support of process and quality improvements, cost reductions and development of colleagues within the team
- Prior experience in corporate credit analysis in a NBFC/ Bank or related industry preferred.
- Understanding of financial statements to enable appropriate interpretation of results
- Deep understanding of Corporate Lending products, Opportunity Assessment and Deal Structuring
- Familiarity with Microsoft Excel, Word and PowerPoint