Credit Analyst - Financial Institutions

As a Credit Analyst at BFIG Credit in Mumbai, your primary responsibility will be to conduct credit risk underwriting for credit facilities provided to NBFCs/Housing Finance Companies and assess credit risk for securitisation transactions (PTCs). You will be required to prepare comprehensive credit appraisal notes that include in-depth analysis of the business, industry, management, and financial aspects of the entities involved. Your role will also involve engaging in client calls to gain insights into their business models and risk management policies. Based on your analysis, you will provide detailed recommendations to senior credit approvers regarding the risk aspects and assessments of specific loans. It will be essential to ensure that all loans strictly adhere to program guidelines, compliance standards, due diligence protocols, and industry regulations. Additionally, you will be responsible for continuously monitoring the credit quality of the loan portfolio by staying informed about market trends and conducting periodic reviews of the performance of credit facilities extended to clients. In cases of non-compliance, you will be expected to escalate the issues along with an action plan to address them. Furthermore, you will collaborate with internal auditors and represent the organization to the RBI to address any queries raised during audits. To excel in this role, you should hold a CA or MBA qualification with a minimum of 3-4 years of relevant experience in the field. A solid understanding of Accounting Standards and proficiency in conducting Balance Sheet Analysis are essential. Knowledge of RBI regulations, SEBI guidelines, and other statutory requirements is crucial. Strong interpersonal skills, effective communication abilities, and excellent verbal and written presentation skills will be necessary for successful performance in this position.,