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Credit Analyst- Unsecured Business Loans || CTC upto 20 LPA

Credit Analyst- Unsecured Business Loans || CTC upto 20 LPA

TalentiserIndia
11 hours ago
Job description

Hiring with a full-scale B2B E-commerce platform that provides integrated procurement with financing solutions for building raw materials across India, revolutionizing the construction industry ‘s supply chain through digital innovation.

Key Accountabilities

Credit Assessment

  • Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.
  • Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.

Financial Analysis

  • Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
  • Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.
  • Documentation and Due Diligence

  • Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
  • Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.
  • Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Documentation and Due Diligence
  • Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.
  • Communication and Reporting

  • Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.
  • Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval.
  • Portfolio Monitoring

  • Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
  • Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.
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