CredAble - Senior Credit Analyst - CA (5-10 yrs)

Designation: Senior Manager/Assistant Vice President Credit Risk.

Experience: 5 to 10 years.

Overview of the Job:

- We are looking for a credit risk professional with excellent communication who will be joining a dynamic and fast-paced environment.

- As part of your role, you will be working with cross-functional teams and build ongoing relationships that will also deliver the company's vision and strategy.

- Overview of the Function: The Credit team is responsible for detailed risk evaluation of clients and discussion with management/bankers of borrowers, preparation of CAN (Credit Appraisal Note), discussion with internal stakeholders, and ongoing account monitoring.

Your Role at CredAble:

- Conducting detailed research on the financial history of businesses and individuals to determine client's creditworthiness.

- Appraising prospective clients and preparation of CAN (Credit Appraisal Note) along with financial sheet as per the prescribed format.

- Monitor clients' compliance with credit terms on an ongoing basis; identify and advise early warning signals.

- Conduct periodic evaluation to ensure quality of accounts/portfolio.

- Appraising industries and lending eco-systems and help in creating innovative lending products.

- Updating the management team on key developments in the lending space.

- Conducting detailed research on the financial history of businesses and individuals to determine their creditworthiness.

- Regular interaction with internal stakeholders (RM/Ops etc. ) to be well informed of the activities related to clients.

- Drawing conclusions from available data (both quantitative and qualitative) regarding the creditworthiness the client.

- Identify early signs of stress in any account by continuously monitoring both external and internal reports/triggers.

- Engage with stakeholders for flagging of risk pertaining to borrowers which are proposed to be included in EWS.

What will you bring to CredAble?.

- Experience working in Banks or NBFCs.

- Ability to crunch data, analyze and present findings from financial statements & data sets.

- Good working knowledge of Excel and Power point along with ability to present it to senior stakeholders.

- Ability to manage multiple priorities.

- Skilled at working effectively with cross functional teams in a matrix organization.

- Structured and ability to think on his/her feet.

- Education: CA qualified/ MBA Finance.