Credit Analyst- M/SM

Description

Role involves

Carry out due diligence for corporate customers

In-depth financial analysis, business model review, management risk analysis

Working on cashflow based excel models

Analyzing cashflows and WC/debt servicing analysis

Review of annual reports, borrower/promoter background

Review of Credit notes prepared by Business Unit capturing details of customer profile, financial projections and analysis, assessment, term sheet.

Interaction with various stakeholders (internal and external) for review of such customers

Carry out internal rating of customers and assign/review rating

Monitoring of performance of customers on an ongoing basis

Review Early warning triggers

Carry out site visit to review work progress

Prepare recommendation notes and recommend proposals to top management

Maintain/monitor Credit Hygiene

Candidate requires

5-8 years of work experience

Working knowledge of Microsoft excel/ Credit underwriting of working capital, underwriting proposals.

Communication skills

Knowledge of financial analysis and awareness of lending/regulatory guidelines

Experience in banking firms/audits of banks would be added advantage

Qual- CA / MBA