Job Overview
Job Description: A Business Credit Analyst evaluates the financial health, creditworthiness, and default risk of a large corporate loans submitted by the RM's. Prepare the loan application and submit the file to the Loan Operations and the Credit department for processing.
Core Responsibilities
• Financial Analysis: Examine balance sheets, income statements, cash flow statements, and tax returns. • Risk Assessment: Calculate financial ratios, run stress tests, and measure the borrower's capacity to repay debt. • Underwriting & Recommendations: Prepare credit memos, underwriting papers, and risk ratings, then recommend to the Credit Operations team. • Covenant & Portfolio Monitoring: Track existing borrowers over time to ensure they follow loan terms, watch for early warning signs, and review collateral. • Regulatory Compliance: Make sure all lending practices follow guidelines set by central banks and financial authorities (such as the Reserve Bank of India).
Ideal Candidates: Looking for aspirants with good experience in working capital loan credit underwriting or Sales.