Credit Analyst
Credit Analyst
Posted on :
19-11-2024
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Job Description
Job Summary:
We are looking for a detailoriented and analytical Credit Analyst to assess and evaluate thecreditworthiness of clients for Loan Against Shares (LAS) Supply Chain Financing and Invoice Discounting. The ideal candidate will have strong financial analysis skills and a deep understanding of risk management in the NBFC sector. The Credit Analyst will play a critical role in ensuring that credit decisions align with the company and amp;#39;s risk appetite and regulatory requirements while supporting business growth.
Key Responsibilities:
Credit Assessment:
Conduct thorough financial analysis of clients seeking Loan Against Shares Supply Chain Financing and Invoice Discounting.
Evaluate the creditworthiness of applicants by analyzing financial statements balance sheets profit and amp; loss statements and cash flow projections.
Assess the value liquidity and risk associated with collateral (shares invoices etc.).
1.Risk Analysis and Underwriting:
Analyze the risk profile of each client and provide recommendations for credit limits terms and conditions.
Ensure that all credit proposals comply with the companys risk management framework and regulatory guidelines.
Perform stress testing and sensitivity analysis to determine the potential risks under different economic conditions.
2.Decision Making:
Prepare detailed credit reports with recommendations on loan approvals rejections or modifications.
Collaborate with the business development and sales teams to structure financing deals that balance client needs and risk appetite. Review and approve loan disbursements in line with company policies and ensure timely processing.
Portfolio Monitoring:
Continuously monitor the existing portfolio of loans and ensure regular reviews of borrower performance. Identify early warning signs of credit deterioration and recommend appropriate actions to mitigate risks.
Provide insights on market trends and developments that could impact credit risk in the LAS Supply Chain Financing and Invoice Discounting segments.
Compliance and Documentation:
Ensure that all credit documentation is accurate complete and complies with internal policies and external regulations.
Keep abreast of the latest regulatory changes affecting the NBFC sector particularly in LAS Supply Chain Financing and Invoice Discounting.
Maintain proper documentation of all credit decisions including rationale and supporting analysis.
Qualifications and Skills:
Bachelors degree in Finance Accounting Economics or a related field. MBA/CA/CFA is preferred. 36 years of experience in credit analysis preferably in an NBFC bank or financial institution.
Strong knowledge of Loan Against Shares (LAS) Supply Chain Financing and Invoice Discounting.
Proficiency in financial statement analysis ratio analysis and cash flow modeling.
Familiarity with credit scoring models and risk assessment methodologies.
Excellent communication and report writing skills.
High level of attention to detail and ability to work under pressure.
Proficient in MS Office (Excel Word PowerPoint) and financial analysis tools.
Key Competencies:
Strong analytical and quantitative skills.
Sound judgment and decisionmaking ability.
Ability to assess risks and structure credit solutions.
High level of integrity and ethical standards.
Excellent time management and multitasking abilities.
Employment Type
Full Time
Key Skills
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