Credit Analyst Jobs Opening in Loan Sifarish at Mulund West, Mumbai
Job Description
Job profile:
1. Evaluation of credit worthiness of organisations basis Balance sheet and other financials
2. Regular customer interaction to gain business insights and thereby gather relevant data points
3. Interacting with the credit team of Banks/ NBFCs to present credit notes and satisfactory resolution of corresponding queries
4. Oversee deals end to end upto proposal fulfilment and loan disbursement
Point to note: Our location is in Mulund, Mumbai. The candidate has to be willing to travel to this location.
Key Responsibilities
Credit Assessment
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Conduct comprehensive financial analysis of individuals, businesses, or institutions applying for loans, credit facilities, or financing.
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Evaluate financial statements, cash flow reports, tax returns, and other relevant documents to determine creditworthiness.
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Analyze credit reports from agencies such as CIBIL, Experian, Equifax, or CRIF to assess repayment history and outstanding debts.
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Assign internal credit ratings based on risk factors, financial performance, industry benchmarks, and market conditions.
Reporting and Recommendation
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Prepare detailed credit analysis reports and present findings to the credit committee or senior management.
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Recommend credit limits, interest rates, repayment terms, or collateral requirements based on risk assessment.
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Draft clear and concise memos or credit proposals with justifications for approval or rejection.
Risk Monitoring and Portfolio Management
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Monitor existing credit accounts for changes in financial condition, delayed payments, or defaults.
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Identify potential risks in the loan portfolio and escalate issues where necessary.
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Recommend appropriate actions for underperforming accounts, such as restructuring, additional collateral, or recovery strategies.
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Participate in periodic reviews of customer portfolios to ensure risk exposure is within company limits.
Compliance and Policy Adherence
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Ensure all credit evaluations are conducted in accordance with internal credit policies and regulatory requirements.
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Stay informed of changes in industry regulations, credit rating methodologies, and compliance frameworks.
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Maintain accurate records of all assessments, decisions, and supporting documents for audit purposes.
Cross-Functional Collaboration
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Work closely with the sales, relationship management, and collections teams to ensure proper client onboarding and credit control.
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Assist in structuring credit products tailored to customer needs while managing risk exposure.
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Provide insights and feedback to improve credit policies, scoring models, and risk management practices.
More information about this Credit Analyst Job
Please go through the below FAQs to get all answers related to the given Credit Analyst job
- What are the job requirements to apply for this Credit Analyst job position?
- Ans: A candidate must have a minimum of 0 to 1 year experience as an Credit Analyst
- What is the qualification for this job?
- Ans: The candidate can be a Graduate from any of the following: B.Com, BA, BBA/BBM, BSc, BMS
- What are the salary requirements for this job?
- Ans: The salary range is between 19000 and 20000 Monthly. The Salary will depend on the interview. This Credit Analyst is a Full Time in Mumbai.
- What is the hiring Process of this job?
- Ans: The hiring process all depends on the company. Normally for an entry level, hiring the candidate has to go for Aptitude, GD (If they look for communication),Technical test and face to face interviews.
- This Credit Analyst is a work from home job?
- Ans: No ,its not a Work from Home Job.
- How many job vacancies are opening for the Credit Analyst position?
- Ans: There are immediate 1 job openings for Credit Analyst in our Organisation.
Job Particulars
About Company
Mumbai 
1 to 2 Years 
Salary not disclosed 
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MBA/PGDM(Finance)
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10th Pass (SSC), 12th Pass (HSE) 
