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Quikr - Credit Analyst

Quikr - Credit Analyst

QuikrPune, India
21 days ago
Job description

Role : -Credit Analyst.

Experience : -3+ years in Credit / Banking / NBFCs.

Location : Pune, India.

Education : Degree in Accounting or Finance & Strong Preference for : Chartered Accountant (ICAI member or ACCA member), CPA and / or CFA.

Working Time : -Work Timings : USA East Coast Time (IST 5.30 PM to 2.30 AM).

Monday through Friday.

Job Description :

Required Education and Experience / Skills :

  • Bachelor's degree in finance or accounting with a strong academic background.
  • At least 3 years of experience in commercial lending, preferably in commercial real estate, Loan against property and hotel lending.
  • Quick learner, strong problem-solving skills, and ability to think.
  • Excellent analytical skills, able to interpret complex financial data and identify key risks.
  • Excellent knowledge of accounting rules.
  • Knowledge of US GAAP and IFRS will be beneficial.
  • Ability to work independently with minimal supervision.
  • Comfortable in a fast-paced, multinational environment, able to manage multiple priorities.
  • Strong attention to detail, with the ability to spot data discrepancies.
  • Availability to work U.S hours (IST 5 : 30 PM to 2 : 30 AM).
  • Ability to coordinate with internal and external stakeholders.
  • Excellent written and spoken English, able to clearly communicate findings and recommendations.
  • Proficient in Microsoft Excel and Word.

Desired Functional and Behavioral Characteristics :

  • Positive and professional attitude.
  • Self-motivated with a proactive approach to tasks.
  • Team player with a willingness to collaborate and support colleagues.
  • Strong commitment to accuracy and attention to detail.

    • What we have to offer :

  • Competitive salary and benefits package.
  • Ample opportunities for growth and self-development.
  • Opportunities for professional development and advancement.
  • Collaborative and inclusive work environment with international exposure.

    • Duties and Responsibilities (Training will be provided) :

  • Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability.
  • Collaborate with internal teams to ensure each loan is processed within the set time frames in the service level agreement.
  • Communicate proactively with clients and the sales team to gather the necessary information for making informed credit decisions.
  • Recommend suitable loan structures based on the credit request.
  • Follow AVANA's credit analysis standards as outlined in the loan policy.
  • Prepare and present clear credit analysis memos that accurately assess the borrower's.
  • Creditworthiness and collateral value, highlighting strengths and risks.
  • Perform periodic risk assessments and monitoring on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks.
  • Administer construction loans, tracking budgets, schedules, third-party reports, and ensuring timely funding.
  • Research and analyze industry trends to spot potential risks in the market.
  • Use U.S -based resources to assess portfolio risks, including probabilities of default and potential losses.
  • Ensure compliance with legal and management standards across all areas.
  • Be open to travel for training purposes.
  • Take on additional tasks as assigned by the Chief Credit Officer or Management.

    • ref : iimjobs.com)