Credit Analyst Job Vacancies in Bangalore

Position: Senior Credit Analyst / Credit Risk AnalystExperience: 8+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.Key ResponsibilitiesConduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.Recommend appropriate credit limits, lending structures, covenants and risk mitigants.Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.Review waivers, amendments, renewals and restructuring proposals where required.Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.Present credit recommendations and risk findings to senior stakeholders/credit committees.Mentor junior credit analysts and review the quality of their credit deliverables.Identify opportunities for process improvement, automation and enhanced credit-risk reporting.Candidate Profile8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.CA / MBA Finance / CFA / FRM preferred.Strong experience in corporate/non-retail credit analysis and underwriting.Excellent understanding of financial statements, accounting principles and credit-risk methodologies.Proven experience preparing credit appraisal notes and making independent credit recommendations.Strong stakeholder-management and team-mentoring capabilities.Ability to independently handle complex credit cases and work under strict timelines.

Liked! If you're a Credit Analyst, an immediate joinee located in/ fine relocating to Bangalore, this ThoughtFocus opportunity is calling your name! Here's a breakdown of the detailed requirements:Conduct thorough analysis: Dive into the world of large corporate financial statements, performance metrics, and trends. Your keen eye will evaluate the creditworthiness of companies, contributing valuable insights to decision-making.Independent credit rating assignments: Show your expertise by taking charge of credit rating tasks for companies of all sizes. Your independence will shine as you prepare detailed reports, explaining the reasoning behind assigned credit ratings.Analyze credit agreements: Put your analytical skills to work as you dissect credit agreements. You'll assess terms, covenants, and conditions, all of which play a pivotal role in determining the creditworthiness of the entities under scrutiny.Fitch rating analysis: Showcase your proficiency in Fitch rating analysis. By incorporating relevant criteria and methodologies, you'll ensure accurate credit assessments that are essential for informed decision-making.Collaborate with legal experts: Your collaboration will extend to legal experts, ensuring that credit agreement clauses and implications are understood accurately. This partnership guarantees precise evaluations.Compile comprehensive rating reports: Your attention to detail will shine as you create rating reports that encompass a wide spectrum. From company profiles to key rating considerations, credit risk assessments, financial projections, industry assessments, and more - you'll cover it all.Industry-specific credit research: Immerse yourself in the specific sectors where rated companies operate. By doing so, you'll grasp the dynamics at play and contribute to ongoing industry-wide performance monitoring.Don't miss this incredible chance to make your mark with ThoughtFocus!

should have a good understanding of lending procedures and customer service experience. credit evaluation of customers while funding his finance application, This includes, visiting customer office and residence and conducting the verification, collecting all financial and kyc documents and cross verifying it, post checking the financials, decision to be made shared with management