Credit Risk Analyst Job Vacancies in Delhi

About Us:Mahashakti Finance Ltd is a leading financial services provider committed to helping individuals and businesses achieve their financial objectives. We offer a range of financial products tailored to meet the unique needs of our customers. As a Credit Officer, you will play a vital role in connecting with potential customers, understanding their financial needs, and assisting them in achieving their financial goals.Key Responsibilities:Outreach and AssessmentMake outbound calls to potential customers to discuss our financial products and services.Conduct thorough needs assessments to understand customers' financial goals and recommend suitable financial products.Gather and record essential customer information required for credit evaluation and loan applications.Provide guidance and assistance to customers in completing loan applications accurately.Credit EvaluationAssess the creditworthiness of loan applicants by reviewing financial documents, credit reports, and other relevant information.Make informed decisions regarding loan approvals, taking into consideration risk tolerance and company policies.Strictly adhere to sanctions regulations and company policies to maintain regulatory compliance throughout the loan approval process.Customer RelationsCultivate and maintain strong relationships with clients, providing ongoing support and addressing any inquiries or concerns.Continuously monitor loan repayments, work with customers to ensure timely payments, and take appropriate actions for delinquent accounts.

Interested candidate, kindly share your updated resume onRole: MANAGERExperience: 5 10 yearsQualification: BE+MBA / CAJob Location: DelhiPreferred Industries: Banks / NBFC / Rating Agencies, dealing with Power i.e., Renewable, Thermal / Infrastructure i.e., Road, Ports, Highways etc. / Power Projects Consulting etc.Candidate should have hands on experience/expertise on any of the following function: Credit Appraisal (Power/Infra) Project Monitoring (Power/Infra) Risk Management (Power/Infra) Debt SyndicationJOB ROLE: Develop a string of monitoring mechanism for asset managed by the Co. Monitor progress of projects on ground as well as financially. Interaction/liaison with borrower and various FIs/Banks. Restructuring of stressed assets of the Co. Ensure statutory and other compliances. Due diligence of debt proposals from entity, technical and financial perspective, financial modeling sensitivity analysis. Optimum project cost and Implementation schedule. Risk analysis & mitigation, Coordination with Risk team for obtaining risk report for proposals. Act as nodal point of the Co. with the borrower and Co-lenders till fist disbursement including monitor the project progress, attend consortium meetings. Coordination with Legal for finalization and execution of loan agreement.SKILLS & ATTRIBUTES Understanding of technical and commercial aspects of power sector/other infra sector. Understanding of critical financial issues in appraisal/due diligence/structuring of a product. Knowledge of finance viz, analysis of balance sheets, P&L accounts, cash flows, financial ratios, working capital, discounting techniques - IRR, NPVs, financial modeling.Knowledge in regulatory aspects and working experience in other sustainable infra sector like sewage/ water treatment, electric mobility etc. would be added advantage.