Role: Credit Analyst
Industry Type: Banking
Department: BFSI, Investments & Trading
Employment Type: Full Time, Permanent
Role Category: Lending
PG: MBA/PGDM in Finance, CA in Any Specialization
Role & responsibilities
- To Conduct detailed credit appraisal and risk assessment of MSME loan proposals with turnover upto 50 crore.
- Analyze financial statements, bank statements, GST returns to evaluate borrower repayment capacity and financial health.
- Assess business model, industry risk, to determine creditworthiness of applicants.
- Monitor portfolio risk, early warning signals and compliance with internal credit guidelines.
- Ensure adherence to RBI guidelines, internal risk frameworks, and regulatory compliance in lending decisions.
- Maintain asset quality by identifying potential credit risks and recommending appropriate mitigation strategies.
- Well versed with digital underwriting model.
Preferred candidate profile
Working in the Banking Sector
CA/MBA in Finance
3-5 years experience
Worked in MSME credit analysis