Credit Analyst

Job Purpose and Impact

The Credit Specialist will prepare credit reports of corporates and vendors by analyzing financial statements, ratios and risk involved in counterparty analysis. In addition to this, underwriting and risk assessment are major responsibilities of this job.

Responsibilities

• Preparing credit reports and analyzing company financial statements.
• Coordinating with internal stakeholders, such as sales teams.
• Assess the creditworthiness of counterparties and justify on their decision to commercial teams.
• Review credit proposals to guarantee accurate decision making by leaders in accordance with guidelines, ensuring compliance with regulations and internal policies.
• Monitor counterparties and anticipate the potential impact of market events on the business environment.
• Ensure accurate reporting of exposures within approved limits.
• Participate in performing new business migration activities and processes.
• Foster relationships with senior staff and handle queries in a timely manner.
• Nurture relationships with peers and colleagues and participate in special projects to drive efficiency.
• Handle basic issues and problems under direct supervision, while escalating more complex issues to appropriate staff.

Preferred Qualifications

• Excellent analytical thinking skill will have an added advantage.
• Knowledge of Power BI and Tableau will be an added advantage.
• Candidates who can handle various tasks with due diligence will be preferred.
• Work experience in credit agencies or bureaus will be an added advantage (Ex, Moodys, CRISIL, ICRA, etc.)
• Relevant experience in credit analysis domain, and Corporate Credit Analysis background will be preferred.