Financial Analyst - Mumbai, India - INFINITY CONSULTANTS

Description

Job Description:

• Conduct credit assessments and underwriting for new and existing customers.

• Analyse financial statements, credit reports, and other relevant financial

information to assess the creditworthiness of customers.

• Evaluate customer credit history, payment patterns, bank statements and

financial ratios to determine the level of risk involved.

• Conduct thorough due diligence, including background checks, legal

documentation review, and verification of customer information.

• Prepare comprehensive credit reports and draft credit recommendations based

on such analysis and risk assessment.

• Collaborate with internal stakeholders, including technical team and senior

management, to discuss suitable Credit decision

• Monitor customer credit accounts, review financial performance, and identify

early warning signs of potential credit issues.

• Stay updated on industry trends, regulatory changes, and market conditions

impacting the creditworthiness of Customers.

• Ensure compliance with credit policies, sanction covenants, procedures, and regulatory

requirements.

• Proactively manage the risk of the designated portfolio by periodic review,

monitoring trends in key credit aspects.

• Drive a culture of continuous improvement and maintain an effective working

relationship with stakeholders across functions and locations.

Qualifications:

• CA mandatory - (pursuing or graduation) Bachelors degree in finance, accounting, or a related field.

• Proven experience in credit analysis, underwriting, or risk assessment.

• Strong analytical skills and ability to interpret financial statements, credit

reports, and other financial data.

. Knowledge of credit risk management principles, credit scoring models, and financial analysis techniques.

• Familiarity with legal and regulatory requirements related to credit underwriting.

• Excellent written and verbal communication skills to prepare comprehensive

credit reports and effectively communicate credit decisions.

• Detail-oriented with strong organisational and time management skills to handle

multiple credit assessments and meet deadlines.

• Proficient in using financial analysis tools and software applications.

• Ability to work collaboratively in a team environment and engage with internal

stakeholders effectively.