Credit analysis

Role & responsibilities

• Credit appraisal of existing as well as new credit requests for clients by evaluating their creditworthiness on multiple parameters, including the assignment of internal customer risk rating and covering detailed analysis of business profile, industry, management and financials.
• To analyze the balance sheet, income and cash flow statements of our clients, including the operating trends, capital structure, liquidity, covenants, debt service capacity and overall credit risk for conclusion and recommendation.
• Conduct on-going Portfolio Monitoring to facilitate decision making through Financial Modeling, Coverage Reports, Covenant Analysis, Forecast and Report writing.
• Working on assigning the Risk rating of PD and LGD to the Borrower, and detailed risk rating rationale write-up
• Providing mentorship and training to newer members of the team; providing cross functional knowledge and training to support teams

Preferred candidate profile

Skills Required

Credit Underwriting, Credit Appraisal, Credit Analysis, Credit Rating