Credit Analyst

Credit & CMA Analyst – Bank Finance Division

Location : Work from Home

Reporting to : Division Head

Core Purpose

To support the Bank Finance Arranger division by preparing client profiles, understanding business models, creating CMA data, ratio analysis, and handling coordination with banks and clients for funding proposals — including

Working Capital, Term Loans, Project Finance, LRD, and Real Estate funding

cases.

Key Responsibilities

Interact with SME and Corporate clients to

understand their business model, project requirements, and funding needs.

Prepare detailed

CMA data, DSCR, ICR, TOL / TNW, Current Ratio

and other financial parameters.

Create

comprehensive client profiles and business summaries

for banker presentation.

Prepare

project finance proposals

for

Greenfield and Brownfield projects , including cost of project, means of finance, implementation schedule, and revenue projections.

Work on

Lease Rental Discounting (LRD)

and

Real Estate project funding

proposals.

Coordinate with

banks, NBFCs, and clients

to obtain pending documents, resolve queries, and ensure timely sanction and disbursement.

Prepare and maintain

MIS trackers

for each case — showing stage-wise progress, pendencies, and next actions.

Assist in drafting

sanction notes, renewal papers, credit justifications , and compliance reports.

Skills Required

Excellent command over

CMA preparation, project finance analysis, and ratio calculations (DSCR, ICR, TOL / TNW, Current Ratio).

Working knowledge of

Excel (Pivot Tables, Financial Formulas), Tally, and MS Word.

Strong understanding of

banking norms and credit appraisal processes

(SBI, Axis, Union Bank, NBFCs, etc.).

Good communication and follow-up discipline for dealing with clients and RMs.

Ability to maintain

accuracy, confidentiality, and high responsiveness

in multi-case handling.

Qualification & Experience

B.Com / M.Com / CMA inter / CA (Inter) / MBA (Finance).

2–6 years’ experience in

bank proposal preparation, project finance, or working with DSA / financial consultancy / NBFC.

Ideal Candidate

A finance professional who :

Understands

how banks assess SME and Project Finance proposals.

Can independently prepare CMA and ratio analysis.

Communicates confidently with both clients and bank officials.

Enjoys translating business data into structured funding presentations.