Credit Analyst Job Vacancies in Karnataka

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

# Financial Credit Risk Modeler (R2163)## Job DetailsJob Title: Financial Credit Risk ModelerLocation: SholinganallurWork Mode: Hybrid (4 Days Work From Office)Experience Required: 4+ YearsNotice Period: Immediate to 30 Days Preferred## About the RoleWe are seeking an experienced Financial Credit Risk Modeler with strong expertise in credit risk model development and validation. The ideal candidate should have hands-on experience in building, validating, and implementing statistical and predictive models within the financial services domain.## Key Responsibilities* Develop and validate credit risk models for banking and financial services.* Design and build scorecards using Logistic Regression techniques.* Develop and validate IFRS9 models, including:* Probability of Default (PD)* Loss Given Default (LGD)* Perform end-to-end model development activities, including:* Data preparation* Feature engineering* Model development* Validation and performance monitoring* Apply statistical and predictive modeling techniques such as:* Regression Analysis* Time Series Modeling* Risk Scorecard Development* Collaborate with business stakeholders and cross-functional teams to support risk management initiatives.## Mandatory Requirements### Credit Risk Modeling Experience* Minimum 3+ years of hands-on experience in:* Credit Risk Model Development OR* Credit Risk Model Validation* Experience limited to implementation, reporting, data cleansing, or exploratory data analysis alone will not be considered.### Modeling ExpertiseCandidates should have experience in one or more of the following:* Credit Risk Scorecard Development* IFRS9 PD Models* IFRS9 LGD Models* Predictive Modeling using statistical techniques### AI / Machine Learning ExposureCandidates should possess basic knowledge of AI/ML concepts and have exposure to one or more of the following:* Large Language Models (LLMs)* AutoML* Google Cloud Platform (GCP)* Other AI/ML frameworks and applications## Technical SkillsPreferred:* SAS* Google Cloud Platform (GCP)## Preferred Candidate Profile* Strong analytical and problem-solving skills.* Experience in financial risk modeling and model validation.* Understanding of banking and financial risk management frameworks.* Ability to work independently and collaborate effectively within teams.## Additional Information* This is a high-priority requirement.* Candidates available to join immediately or within 30 days will be highly preferred.

Key Responsibilities:Analyze financial statements and credit reportsAssess risk levels for loans or credit approvalsDevelop risk assessment models and reportsMonitor existing accounts for potential risksEnsure compliance with financial regulations and policiesRequirements:Bachelor

Key Responsibilities:1. Assessing creditworthiness: Reviewing financial information, credit scores, and payment history of clients to determine if they qualify for credit.2. Analyzing risk: Evaluating the risk associated with extending credit to clients based on their financial status and market conditions.3. Making credit decisions: Deciding whether to approve, deny, or modify credit applications based on the analysis conducted.4. Monitoring credit accounts: Tracking the repayment behavior of clients to ensure they are meeting their credit obligations.5. Providing recommendations: Offering suggestions for credit terms, limits, and repayment schedules to mitigate risk and maximize profitability.Required Skills and Expectations:1. Bachelor's degree in finance, accounting, or a related field.2. Strong analytical skills to interpret financial data and assess credit risk.3. Experience with financial modeling and risk assessment techniques.4. Excellent attention to detail and ability to make sound judgments.5. Good communication skills to interact with clients and colleagues effectively.6. Knowledge of regulatory requirements and compliance standards related to credit analysis.

Job Description-Analyzes borrowers, companies, and securities to detect potential risk of default.Assesses requests for credit and determines if an individual or company is worthy of receiving financing.Evaluates clients backgrounds and assesses industry trends to predict potential outcomes.Determines the creditworthiness of applicants and performs cash flow analysis.Formulating reports about the degree of risk in lending money to clients and preparing reports with this credit information for use in decision-making.Requirements-Any degree holders can apply, including freshers.Should have two wheeler.We provide complete training to the freshersMust travel across Tamilnadu to visit potential borrowers.Must be active and Quick leaner.

Analyzes borrowers, companies, and securities to detect potential risk of defaultAssesses requests for credit and determines if an individual or company is worthy of receiving financingEvaluates clients' backgrounds and assesses industry trends to predict potential outcomesDetermines the creditworthiness of applicants and performs cash flow analysisFormulating reports about the degree of risk in lending money to clients and preparing reports with this credit information for use in decision-makingRequirements-Any degree holders can applyShould have two wheeler.We provide complete training to the freshersMust travel across Tamilnadu to visit potential borrowers.