Credit Analyst

• Collecting all documents required for the process of loan from the customer like KYC documents, Income Tax Returns, financial statements, business banking record etc.
• Scrutiny of all documents given by the customer regarding loan like KYC documents, Income Tax Returns, financial statements, business banking record etc.
• Meet the customer and look the project site/ Security
• Checking information about Customer on ROC, online and on RERA Website for the proposed Project/ Proposal.
• Should have good understanding of financial statement and understanding different financial ratios.
• Should be able to make and prepare cash flow/ CMA Data/ Cash flow projection and also calculate different financial ratios
• Evaluation of Project/Proposal on various parameters like

• Saleability, Approval and construction status of the project.

• Evaluation of Viability of the project.

• Evaluation of financial strength of the borrower/group.

• Evaluation of project/Security from legal and technical prospective.

• Structuring the loan according to the requirement of the Customer and projected cash-flows.

• Collecting all the details from the customer which is required by different Banks/ Financial institute for the processing of the proposal
• Understanding the Customer requirement and structuring the Proposal accordingly
• Preparing of the Project Report/ information memorandum basis on the details and Document collected from the customer which comprises of Profile of customer, Project Details/ Security details with feasibility/Eligibility, Sensitivity analysis & projected Cash flow
• Coordinating with banks/ Financial Institution for the appraisal of the loan.
• Helping Customer Post sanction in completion of documentation and disbursement process by adhering the sanction terms and conditions of the banks/ Financial Institution.

Role & responsibilities

Preferred candidate profile