Job Description
Leading NBFC / Bank | Multiple Locations
We are looking for an experienced Credit Analyst – Wholesale Lending (Working Capital) to join a leading NBFC/Bank. The role will be responsible for evaluating working capital proposals, assessing financial strength, identifying credit risks, and supporting sound lending decisions.
Key Responsibilities
- Analyse working capital loan proposals including CC, OD, WC limits and other structured facilities.
- Conduct detailed analysis of financial statements, balance sheets, P&L, cash flows and banking transactions.
- Assess borrower creditworthiness, repayment capacity, business model and overall financial health.
- Evaluate DSCR, leverage, liquidity, profitability, working capital cycle and cash flows.
- Review bank statements, GST returns, ITRs, stock statements and other relevant financial documents.
- Identify key credit risks, early warning signals and mitigating factors.
- Prepare detailed credit appraisal notes / credit proposals and present recommendations to senior credit authorities.
- Conduct industry, business and promoter assessment and evaluate the overall risk profile.
- Coordinate with Relationship Managers, Business Teams, Risk, Legal and Operations for timely processing of proposals.
- Ensure compliance with the organisation’s credit policy, risk parameters and regulatory guidelines.