Finance Credit Analyst
# Finance Credit Analyst **Blueberry Infratech Pvt. Ltd.** · Hyderabad, Telangana · `On-site` 🕒 **Статус:** *Опубликовано: 2 дня назад* · *Источник: Indeed* --- ### About the Role Job Description – Corporate Credit Analyst Position: Corporate Credit Analyst Department: Risk Management / Corporate Credit Risk Languages: Telugu Mandatory Location: Hyderabad Employment Type: Full-Time Experience: 3–7 Years About the Company Venus FinTech is a growing FinTech company providing technology-driven financial solutions to businesses and corporates. The company offers a range of corporate lending and financial products designed to support business growth, working capital requirements, expansion, and other financial needs. Job Responsibilities Corporate Financial Analysis: Analyse corporate balance sheets, profit & loss statements, cash flow statements, financial ratios, annual reports, and projected financial statements to assess the financial strength and repayment capacity of borrowers. Corporate Credit Assessment: Evaluate credit proposals for various corporate lending products, including working capital facilities, term loans, business loans, project finance, secured lending, and other corporate credit facilities. Credit Risk Evaluation: Assess the borrower's credit history, financial performance, debt obligations, repayment capacity, business model, management quality, industry outlook, and overall creditworthiness. Working Capital Assessment: Analyse working capital requirements, operating cycles, inventory, receivables, payables, banking transactions, and fund utilisation to determine appropriate credit limits. Cash Flow & Debt Servicing Analysis: Evaluate projected cash flows, DSCR, interest coverage, leverage, repayment schedules, and other financial indicators to determine the borrower's ability to service debt. Collateral & Security Evaluation: Review the quality and adequacy of collateral, securities, guarantees, and other risk-mitigation measures associated with the proposed credit facility. Credit Appraisal & Recommendations: Prepare detailed credit appraisal notes, credit assessment reports, and summary memos with clear recommendations for approval committees and senior management. Financial Modelling: Prepare and review financial models, projections, sensitivity analysis, and stress scenarios to assess the potential impact of changes in revenue, margins, interest rates, working capital, and other business conditions. Industry & Business Analysis: Evaluate the borrower's industry, market position, competitive environment, business risks, customer concentration, supplier dependency, and other external factors that may affect repayment capacity. Portfolio Monitoring: Monitor existing corporate loan accounts, repayment behaviour, financial performance, covenant compliance, credit exposure, asset quality, and early warning signals. Risk Identification & Mitigation: Identify potential credit risks and recommend appropriate risk-mitigation measures, including suitable security, covenants, guarantees, limits, repayment structures, and monitoring requirements. Regulatory & Policy Compliance: Ensure credit assessments and lending decisions are aligned with the company's internal credit policies, risk framework, lending guidelines, and applicable statutory and regulatory requirements. Coordination: Coordinate with Sales, Relationship Managers, Operations, Legal, Compliance, Collections, and other relevant teams to ensure efficient processing and monitoring of corporate credit facilities. Skills Required - Strong knowledge of corporate credit analysis and lending processes. - Strong financial statement analysis and interpretation skills. - Good understanding of corporate loans, working capital facilities, term loans, and other business lending products. - Ability to analyse cash flows and assess debt-servicing capacity. - Strong knowledge of financial ratios, including DSCR, Debt/Equity, Interest Coverage Ratio, Current Ratio, and other credit metrics. - Good understanding of collateral, securities, guarantees, and credit risk mitigation. - Strong MS Excel and financial modelling skills. - Excellent analytical and problem-solving skills. - Strong attention to detail and ability to identify financial and business risks. - Good communication and report-writing skills. - Ability to work independently and meet deadlines. - Strong decision-making and risk-assessment skills. Key Performance Areas (KPIs) - Accuracy and quality of corporate credit assessments. - Timely completion of credit appraisal and recommendations. - Quality of financial analysis and risk identification. - Accuracy of financial models and credit reports. - Effective identification and mitigation of credit risks. - Portfolio quality and monitoring of existing corporate accounts. - Compliance with internal credit policies and regulatory requirements. - Timely identification of early warning signals. - Accuracy and completeness of credit documentation. - Turnaround time for credit assessment and decision-making. Interested Candidates Interested candidates can share their updated CV with the HR team. Pay: ₹25,000.00 - ₹50,000.00 per month Benefits: - Provident Fund Work Location: In person
Наблюдалась 2026-10-15, впервые 2026-10-13, источник — Indeed.