LendThriv - Credit Analyst - CA/IIM/ISB/MDI/FMS - AVANA Companies (3-7 yrs)

Role : Credit Analyst

No of Openings : 3

Location : Pune, India

Hours : Full Time

Years of Experience : 3+ years in Credit/ Banking/ NBFCs

Education : Chartered Accountant / MBA in Finance or Accounting from Top-Tier B School

Work Timings : USA East Coast Time (IST 5.30 PM to 2.30 AM)

Monday through Friday

- We are currently looking for Credit Analysts to be based in Pune, India. This is with our Indian subsidiary company Ezdaher India Private Limited.

- Ezdaher India Private Limited is a KPO based in Pune and provides credit underwriting and other functional services to our parent company AVANA Companies, USA.

- Our credit analysis process plays a key role in evaluating borrowers' ability to repay, valuing the collateral, and managing risk throughout the loan term, ensuring that our investments are protected. The main job of a credit analyst is to give well-informed recommendations on loan requests and present each loan as an investment opportunity to senior management. This is done by creating clear and accurate reports that show both the strengths and risks of each loan.

- As part of the AVANA team, we will provide you training in U.S. real estate lending and pair you with experienced U.S.-based underwriters to ensure you have the support needed to succeed.

- We will train you to provide great customer service and build strong client relationships, following AVANA's core values: Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence is a journey.

Duties and Responsibilities (Training will be provided) :

- Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability.

- Collaborate with internal teams to ensure each loan is processed within the set time frames in the service level agreement.

- Communicate proactively with clients and the sales team to gather the necessary information for making informed credit decisions.

- Recommend suitable loan structures based on the credit request.

- Follow AVANA's credit analysis standards as outlined in the loan policy.

- Prepare and present clear credit analysis memos that accurately assess the borrower's creditworthiness and collateral value, highlighting strengths and risks.

- Perform periodic risk assessments and monitoring on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks.

- Administer construction loans, tracking budgets, schedules, third-party reports, and ensuring timely funding.

- Research and analyze industry trends to spot potential risks in the market.

- Use U.S.-based resources to assess portfolio risks, including probabilities of default and potential losses.

- Ensure compliance with legal and management standards across all areas.

- Be open to travel for training purposes.

- Take on additional tasks as assigned by the Chief Credit Officer or Management.

Key Results :

- Spread financial information and prepare a prescreen within 48 hours or receipt of Prescreen Checklist items.

- Achieve a minimum of 4 loans funded each quarter.

- Produce first draft of CAM for review within 10 business days of loan moving to underwriting.

Required Education and Experience/Skills :

- Chartered Accountant / MBA in Finance or accounting from Top-Tier B School

- At least 3 years of experience in commercial lending, preferably in commercial real estate, Loan against property and hotel lending.

- Quick learner, strong problem-solving skills, and ability to think.

- Excellent analytical skills, able to interpret complex financial data and identify key risks.

- Excellent knowledge of accounting rules.

- Knowledge of US GAAP and IFRS will be beneficial.

- Ability to work independently with minimal supervision.

- Comfortable in a fast-paced, multinational environment, able to manage multiple priorities.

- Strong attention to detail, with the ability to spot data discrepancies.

- Availability to work U.S. hours (IST 5:30 PM to 2:30 AM).

- Ability to coordinate with internal and external stakeholders.

- Excellent written and spoken English, able to clearly communicate findings and recommendations.

- Proficient in Microsoft Excel and Word.

Desired Functional and Behavioral Characteristics:

- Positive and professional attitude.

- Self-motivated with a proactive approach to tasks.

- Team player with a willingness to collaborate and support colleagues.

- Strong commitment to accuracy and attention to detail.

What we have to offer

- Competitive salary and benefits package

- Ample opportunities for growth and self-development

- Opportunities for professional development and advancement

- Collaborative and inclusive work environment with international exposure

About AVANA Companies:

- AVANA Companies (www.avanacompanies.com) is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that we're highly knowledgeable in, such as hospitality, construction, and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small business owners and real estate developers across the USA by offering quick, adaptable, and dependable financing.

- Based in Glendale, Arizona, our financial services firm stands at the forefront of the industry, embracing innovation - and fostering a culture of excellence.

- Founded in 2002, we have originated loans in excess of $6.5 Billion and managed $1 Billion assets for our investors.

We have earned multiple awards and recognition like :

- 2024 FinTech Breakthrough Award

- Top Mortgage Lender Award

- Inc 5000 list of America's fastest growing private companies, 2021

- Banking Tech Awards

AVANA Companies Winning Aspiration

We preserve wealth and generate income for our investors by providing loans with speed and certainty of execution to help entrepreneurs thrive.

AVANA Companies core values

Put People First

Do the Right Thing

Take the Lead

Make an Impact

Excellence is a journey

Why join us?

We believe our families are the most important people in our lives. We believe that our work should speak for itself, and we believe that everyone should be given a chance to succeed and grow. We also believe there is no substitute for hard work and that when we falter, we get up and do it again. We come to work with one singular goal and that is to create jobs and provide clean energy in America.

We believe in talking less and executing as per our client's timeline. Do you see yourself thriving in an entrepreneurial culture and spending time with disciplined business warriors? Are you driven by challenge, innovation, and creativity? If so, then we invite you to read on.