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Credit Analyst

The job description is for a credit analyst at Bell Finvest India Ltd. The primary responsibilities include conducting thorough analysis of financial statements and credit requests, providing credit risk recommendations, and presenting findings to managers. Additional duties are reconciling credit files, developing analysis models, evaluating clients' credit data and financial positions, and helping other departments manage credit exposure. The role requires an MBA/finance degree, credit analysis experience, proficiency in financial statements and ratios, and skills in financial analysis, risk assessment, and organization.

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yash sharma
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154 views2 pages

Credit Analyst

The job description is for a credit analyst at Bell Finvest India Ltd. The primary responsibilities include conducting thorough analysis of financial statements and credit requests, providing credit risk recommendations, and presenting findings to managers. Additional duties are reconciling credit files, developing analysis models, evaluating clients' credit data and financial positions, and helping other departments manage credit exposure. The role requires an MBA/finance degree, credit analysis experience, proficiency in financial statements and ratios, and skills in financial analysis, risk assessment, and organization.

Uploaded by

yash sharma
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Bell Finvest India Ltd

JOB DESCRIPTION – CREDIT ANALYST

PRIMARY DUTIES & RESPONSIBILITIES

 Conduct thorough analysis of Financial Statements and Assessment of credit requests,


including new requests, changed requests, refinancing and annual due diligence
 Provide recommendations tied to analysis and assessment of credit risk
 Present analysis, findings, and recommendations to managers, especially findings that involve
a borrower’s ability to repay
 Keep up to date with the company’s lending protocols
 Reconcile credit files and identify discrepancies and variance
 Develop and prepare spreadsheets and models to support analysis of new and existing credit
applications
 Evaluating clients’ credit data and financial statements in order to determine the degree of risk
involved in lending money to them & Preparing Reports for the same
 Conferring with Stakeholders & Appropriate Authority to exchange credit information on
clients
 Evaluating the financial status of clients by producing financial ratios
 Filling out Credit Appraisal Memo including the credit analysis and loan request summaries,
then submitting these loan applications to loan committees for their approval
 Conferring with clients to verify their financial/credit transactions
 Helping Sales and Marketing departments in managing financial orders to help them control
credit exposure, make payments on time, and reduce the risk of customer disputes

REQUISITES

 MBA in Finance / Bachelor’s Degree in Finance & Accounting / CFA Level 2 cleared
 Credit Underwriting & Approval.
 Exposure into Business Loan/Analysis
 Credit evaluation & Credit Renewal Credit Management.
 Strong proficiency in MS Office and general computer use
 Ability to effectively manage competing deadlines for projects in a high-pressure work
environment, with varying degrees of supervision
 Strong attention to detail and ability to notice discrepancies in data
 Impeccable understanding of financial statements, ratios, and concepts
 CIBIL Thorough Knowledge.
 Have knowledge about market margin/Trading/Manufacturing/Business/Services.
 Should have knowledge about Cash Flow/Fund Flow.
Bell Finvest India Ltd
KEY SKILLS

 Financial Statement Analysis & Accounting


 Ratio analysis
 Financial Risk Analysis & Assessment
 Accounts receivable
 Credit application processing
 Strong Analytical Skills
 Thorough understanding of Credit Functions
 Excellent organizational, time and self-management skill
 Excellent follow up skills
 Strong sense of initiative and ability to work under pressure

Location: Mumbai

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