Credit Analyst - Lending - CA (3-5 yrs)

Education: Degree in Accounting or Finance

Strong Preference for: Chartered Accountant (ICAI member or ACCA member), CPA and/or CFA

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

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.

Required Education and Experience/Skills:

- Bachelor's degree in finance or accounting with a strong academic background.

- 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