NABKISAN - Credit Analyst (0-2 yrs)

NKFL is looking for recruitment for the post of Credit Analyst for its Underwriting Vertical in Manager Cadre.

No. of posts - o4

We are looking for hiring Credit Analysts for assessing the creditworthiness of new and existing clients by evaluating the financial data, market conditions, and other relevant factors and determine the level of risk and provide informed recommendations on credit applications to the Company.

Key Responsibilities:

1. Evaluate the financial health of applicants (FPOs/PACS or any other retail portfolio of NABKISAN), analyse credit reports, credit history, credit discipline, bank & financial statements, and other relevant financial documents as a part of analysing the credit applications.

2. Verification of all supporting documents for appraisal of loan

3. Collaborate with other loan officers and other stake holders while exercising due diligence.

4. To underwrite and ensure that all underwriting decisions comply with legal regulations and company policies including preparation of cashflow.

5. Recommend approval or rejection of loan applications based on established guidelines and risk factors through submission of MoS.

6. Any other items of work assigned by the Management, from time to time.

Educational Qualification:

- MBA Finance/PG Diploma in Finance/M.Com/ CA

Experience:

- 2 years of relevant experience in preferably in banking/NBFC domain

- Fresh Chartered Accountants without experience are also eligible to apply

Key Skills and Competencies:

1. Financial Analysis: Proficiency in financial statement analysis, financial modelling, and ratio analysis.

2. Attention to Detail: Ability to spot discrepancies and assess complex financial data accurately.

3. Communication Skills: Strong written and verbal communication skills to report findings and recommendations clearly.

4. Problem-Solving: Ability to assess financial risk and make sound, objective decisions.

5. Technical Skills: Familiarity with applications like Excel, credit scoring systems etc.

Other Criteria:
Maximum age limit is 35 years as on the date of application.

Place of Posting:

The place of posting for the present will be Mumbai, Pune, Hyderabad, Bangalore, Chennai.

However, depending on administrative requirement of NABKISAN candidate may be placed anywhere in the country in future.

Emoluments and service conditions:

Annual CTC: Rs. 8.85 lakh

Basic Pay - Rs. 31,000/- per month

Eligible for Basic, DA, HRA, CCA, Other Allowances as per the rules in force from time to time, Performance Incentive, Group Insurance Policy for employees & family, Group Personal Accident Policy for employees and other statutory benefits.

Initial appointment will be on probation for a period of 02 years. The employee may be absorbed on the regular roll, based on satisfactory performance. For staff candidates, earlier experience will be reckoned towards probation period.

Interested candidates may visit https://www.nabkisan.org/career and apply online

Last date of receipt of applications is 02nd December 2024.