Credit Analyst

About the Role

We are looking for experienced Credit Analysts with strong exposure to MSME Finance and Builder Finance Lending. The candidate will be responsible for evaluating credit proposals, analysing financial information, preparing CMA reports, assessing cash flows, and supporting informed lending decisions.

The role involves a combination of desk-based credit analysis and periodic field visits, depending on the nature and requirements of individual files.

Key Responsibilities

·      Analyse and evaluate credit proposals for MSME and Builder Finance cases.

·      Conduct detailed analysis of financial statements, including Balance Sheets, Profit & Loss Statements and related financial information.

·      Analyse historical and projected Cash Flow Statements to assess repayment capacity and financial strength.

·      Prepare and review CMA (Credit Monitoring Arrangement) Reports.

·      Prepare and analyse Expected Cash Flow for builder finance projects.

·      Assess the creditworthiness, financial position and repayment capability of borrowers.

·      Review business performance, existing liabilities, banking transactions and other relevant financial information.

·      Identify potential credit risks and highlight key concerns in credit proposals.

·      Assist in preparing credit appraisal notes and recommendations for lending decisions.

·      Coordinate with internal teams and relevant stakeholders for clarification and completion of credit files.

·      Conduct periodic field visits for business/project assessment, verification and understanding of the borrower's operations, wherever required.

·      Ensure proper documentation and adherence to internal credit policies and lending guidelines.

Required Qualification

Candidates should possess any of the following qualifications:

·      CA

·      CMA

·      MBA – Finance

Required Experience

·      Minimum 2 years of relevant experience is mandatory.

·      Candidates must have hands-on experience in MSME Finance and Builder Finance Lending.

·      Experience in credit appraisal, financial analysis, CMA preparation and cash flow assessment will be preferred.

Key Skills

·      Basic to intermediate knowledge of MS Excel and MS Word

·      Strong understanding of Financial Statement Analysis

·      Good knowledge of Cash Flow Analysis

·      Ability to prepare and analyse CMA Reports

·      Ability to prepare Expected Cash Flow for Builder Finance Projects

·      Credit appraisal and risk assessment

·      Analytical and numerical skills

·      Good attention to detail

·      Strong documentation and report-writing skills

·      Good communication and coordination skills

Compensation

CTC: ₹6.00 – ₹9.00 LPA, depending on relevant experience, skills and overall suitability.

Work Requirements

This is primarily a desk-based credit analysis role, with periodic field visits as required based on the nature of the credit file, borrower or builder finance project.

Who Should Apply

Professionals currently working in MSME Lending, Builder Finance, Credit Analysis, Credit Appraisal or related lending functions who have a minimum of 2 years of relevant experience are encouraged to apply.

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