1,328 Credit Analyst jobs in India

Job Title : Credit Analyst – Management Trainee

Department : Funding

Location : Bhubaneswar

Agreement : 2 Years

About the Role

We are seeking a Credit Analyst – Management Trainee to join our Funding Department. The role involves analyzing financials of prospective partners, lenders, and investment opportunities to support internal funding activities and decision-making.

Key Responsibilities

• Conduct credit analysis for funding opportunities by reviewing financial statements, projections, and business models.
• Prepare detailed credit appraisal reports to support funding decisions.
• Assist in structuring and evaluating funding proposals.
• Perform due diligence on funding opportunities and validate financial data.
• Monitor funded portfolios, including repayment schedules, compliance checks, and early warning signals.
• Maintain MIS reports and documentation for all funding transactions.
• Prepare presentations and reports for management review.
• Keep updated with funding regulations, credit policies, and financial trends.

Qualifications

• MBA in Finance (mandatory).
• CA Inter or CMA Inter candidates preferred.
• Strong understanding of credit risk assessment, funding structures, and financial modeling .
• Proficiency in MS Excel and analytical tools.
• Good communication, reporting, and problem-solving skills.

Contractual Terms

• The candidate must sign a 2-year service agreement .
• If the candidate resigns before completion of the agreement, they will be liable to pay 4 months’ gross salary to the company as compensation.

What We Offer

• Direct exposure to credit analysis and funding activities.
• Opportunity to work closely with the funding leadership team.
• Structured career path with learning and growth opportunities in the finance domain.

Job description

Position: Credit Analyst

Qualification: A Graduate Degree in Commerce/Finance/Business or a Semi Qualified CA (dropped)

Location: Mumbai (Mulund West)

Job Description: -

• Preparation of proposal notes related to Real Estate Finance

• Internal risk assessment and data analysis of proposals using MS Excel

• Preparation of CMA, Cash Flows, Fund Flows and Ratio Analysis

• Evaluating clients’ credit data and financial statements for preliminary risk assessment

• Interact with financial institutions and clients for due diligence and documentation.

Key Expectations -

• Good understanding of financial analysis of companies
• Intermediate level skills in MS Office – Good Keyboard skills and knowledge of shortcuts in MS Excel
• Understanding of various banking asset products

While we would prefer someone with up to a year of relevant experience, even freshers with a good knack for Excel and an interest in building a career in real estate finance are encouraged to apply.

Salary: Upwards of Rs 3 Lacs. Would not be a constraint for the right candidate.

Website:

Conduct comprehensive credit analyses and assessments to evaluate borrower credit worthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.

Roles & Responsibilities:

Credit Assessment

• Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.
• Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.

Financial Analysis

• Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
• Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.

Documentation and Due Diligence

• Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
• Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Documentation and Due Diligence

• Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
• Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Communication and Reporting

• Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.
• Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval.

Portfolio Monitoring

• Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
• Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.

Skills & Experience

• Bachelor’s degree in finance, Accounting, Economics, or related field required; master’s degree preferred.
• Minimum of 3 years of experience in credit analysis, banking, or financial services industry.
• Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately.
• Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation.
• Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely.
• Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

Berkadia Services India Pvt Ltd
Job Description
PURPOSE OF THE POSITION
The Credit Analyst will be responsible for assisting Credit Operations teams (across various offices in US) at all stages of Commercial Real Estate deal underwriting. The Credit Analyst will be responsible for generating reports on property financials, evaluating risks associated with the transactions and preparing presentations for loan committee and management. The Analyst will be responsible for timely reporting and quality of work product being submitted.

ACCOUNTABILITIES :
Essential Duties (Primary Responsibilities) include the following.

• Assist in all aspects of deal processing from screening and application through underwriting, closing and delivery of the loan to servicing. Generate proforma cash flows, identify and evaluate risks associated with a proposed transaction, and prepare formal presentations for management and/or loan committee.
• Act as liaison between underwriters, GPO analysts, mortgage banking staff, closers, in the collection, review, analysis, and dissemination of due diligence materials necessary for the underwriting, approval, and closing of GSE loans.
• Maintain Berkadia systems (e.g. OmniView) with current, applicable deal level data to facilitate production accurate of metrics and reports.
• Coordinate the ordering, and receipt of all third-party reports for GSE loans. Ensure timely receipt of reports from third party vendors.
• Create, organize and maintain underwriting file, create deal checklist with critical dates and deadlines identified, file and maintain deal checklist as due diligence items are received, reviewed, and accepted, and distributes updated checklist weekly.
• Perform various tasks as assigned by Underwriter which may include ordering market reports and credit reports; conducting real estate tax searches; running crime searches; and searching internet sources (e.g. Google) for sponsor, property, and market news.
• Support the UW in organizing the delivery of necessary materials to corporate funding facility partners.
• Assist the Underwriter in preparing GPO feedback material. Arrange and distribute materials for GPO debrief meeting.
• To be able to match the requirements of the process in terms of being available and be flexible to work in multiple shifts.
• Draft / provide input to ensure that departmental policies & procedures are documented and maintained considering revised / new policies / procedures / systems on a continuous basis and present to management for approval. In addition, constantly review processes in operation and provide suggestions for improvement.
• Provide relevant management information at agreed intervals to the Manager/AVP/VP/ Site Director - India
• Work with the Asst. Manager to ensure a high level of motivation, positive communication and a professional work environment throughout the department.
• Determine and organize appropriate employee trainings/one on one meetings/team meetings, when there is a need.
• Perform other duties and special projects as assigned by Management.

QUALIFICATIONS REQUIRED (including education, experience and skills)

• Minimum of B.Com is a must, banking industry is an added advantage.
• Prior experience within Financial Analysis is an added advantage.
• Knowledge of commercial real estate operations including cash flows is a must.
• Must be PC literate in MS windows environment with strong Microsoft Excel and Word skills.
• Excellent organizational and analytical skills.
• A willingness to learn and a positive attitude are essential.
• Ability to work independently and in a team environment through.
• Openness to take on additional responsibilities (work the unconventional way) - create job aids, work on projects to build the templates, enhance tools & technology.
• Collaborate with people across office locations.
• Must be proficient in English, excellent written and oral communication skills.
• Ability to read and interpret documentation.
• Must be able to think outside the box, research problems and provide workable solutions as needed.
• Understands the importance of training and support opportunities for further functional and interpersonal skill development.

ORGANIZATIONAL SKILLS

• Exhibit a sense of urgency in managing responsibilities.
• Exhibit solid time management skills and works to exceed all deadlines.
• Demonstrate willingness to take on additional responsibilities and work in unconventional ways.
• Exhibit proficiency and pro-activeness in interaction with various individuals and groups.
• Display ownership and work with minimum supervision.
• Display ability to follow up on all outstanding issues.
• Demonstrate an ability to manage multiple tasks under pressure and prioritize.
• Excel in managing customer expectations with consistent results.

CONDITIONS OF WORK

• This position is in Split Shift, however, working additional hours/days is required, as necessary, to meet internal and external deadlines and fulfill the job responsibilities
• To be able to match the requirements of the process in terms of being available and be flexible to work in multiple shifts.
• Though limited, ability and willingness to travel in India and internationally when necessary is required
• While this job description is intended to be an accurate reflection of the job requirements, management reserves the right to modify, add, or remove duties from particular jobs and to assign other duties as necessary.

About Berkadia:
Berkadia
, a joint venture of Berkshire Hathaway and Jefferies Financial Group, is an industry leading commercial real estate company providing comprehensive capital solutions and investment sales advisory and research services for multifamily and commercial properties. Berkadia is amongst the largest, highest rated and most respected primary, master and special servicers in the industry.

Berkadia
is an equal opportunity employer and affords equal opportunity to all applicants and employees for all positions without regard to race, color, religion, gender, national origin, age, disability or any other status protected under the law.

Our people are our greatest strength and make Berkadia a great place to work, creating an environment of trust, mutual respect, innovation and collaboration. Our culture is driven by our core values:

To find out more about Berkadia, please visit our website

Berkadia Services India Private Limited
is a subsidiary of Berkadia, located at Hyderabad, India.

About Berkadia:
Berkadia
, a joint venture of Berkshire Hathaway and Jefferies Financial Group, is an industry leading commercial real estate company providing comprehensive capital solutions and investment sales advisory and research services for multifamily and commercial properties. Berkadia is amongst the largest, highest rated and most respected primary, master and special servicers in the industry.

Berkadia
is an equal opportunity employer and affords equal opportunity to all applicants and employees for all positions without regard to race, color, religion, gender, national origin, age, disability or any other status protected under the law.

Our people are our greatest strength and make Berkadia a great place to work, creating an environment of trust, mutual respect, innovation and collaboration. Our culture is driven by our core values:

To know more about Berkadia, please visit our website

Role & responsibilities

Key Responsibilities:

1. Credit Analysis & Appraisal

• Analyze financial statements, CMA data, balance sheets, and profitability reports.
• Assess clients creditworthiness and repayment capacity.
• Prepare and review CMA data, projections, and banking documentation.
• Evaluate proposals for working capital, term loans, and equipment finance.

2. Loan Syndication & Bank Coordination

• Liaise with banks/NBFCs for credit processing and sanctioning.
• Prepare detailed credit proposals, project reports, and sanction note drafts.
• Coordinate for submission of financial data, queries, and clarifications to lenders.

3. Financial Documentation & Compliance

• Ensure all financial documents are compliant with bank/NBFC requirements.
• Maintain client financial records and loan-related MIS.
• Assist in preparing ratios like DSCR, DER, QDER, Interest Coverage, etc.

4. Client Servicing & Reporting

• Support clients in preparing financial projections and funding roadmaps.
• Provide regular updates on loan applications and sanction status.
• Maintain strong client and lender relationships.

Required Skills & Competencies:

• Strong understanding of financial statements and credit analysis.
• Proficiency in MS Excel (advanced level), Word, and PowerPoint.
• Experience in preparing CMA Data and Project Reports.
• Working knowledge of banking products (CC, OD, TL, LC, BG).
• Excellent communication and presentation skills.
• Attention to detail, analytical thinking, and ability to work under deadlines.

Preferred candidate profile

Qualifications:

• Graduate/Postgraduate in Commerce, Finance, Accounting, or Economics.
• Candidates with CA (Inter) / CMA(Inter)/MBA Finance / CFA (preferred but not mandatory).

.

• Analyse credit data and financial statements to determine risk levels
• Process and verify loan applications and customer documentation
• Ensure accurate reporting of customer credit information to bureaus (CIBIL, Experian, Equifax, CRIF High Mark)
• Monitor repayment behaviour and flag delinquencies
• Coordinate with internal teams for data integrity and compliance
• Maintain records for audit and regulatory purposes.

Familiarity with credit bureau systems and reporting formats

• Strong analytical and communication skills

• Working knowledge of MS Excel and financial software tools.

• Monthly submission of credit data to (Credit Bureau Name)

• Adherence to RBI and bureau-specific reporting guidelines
• Data validation and reconciliation prior to upload
• Timely resolution of bureau disputes and customer queries

Preferred candidate profile

Company Description

Verified Network is a decentralized financial services platform specializing in payments, financing, and investments. The network includes several group companies such as Verified AG, Verified SV Sarl, Verified Assets, and VSV Securities (IFSC) Limited. It also partners with external financial service providers to offer custody, transfer agency, payment processing, and distribution services.

Role Description

This is a full-time, on-site role for a Credit Analyst located in Gandhinagar. The Credit Analyst will be responsible for evaluating creditworthiness, analyzing financial data, preparing credit reports, and managing credit portfolios. This role also involves communicating with clients, developing risk assessment strategies, and ensuring compliance with financial regulations.

Key areas of Experience

•

Financial Modelling with a strong proficiency in MS Office (especially Excel)

•

Should have extensive experience in Financial Analysis - analyzing financial statements, and financial parameters, undertaking extensive due diligence, assessment of creditworthiness & underwriting analysis of a company's financial condition and character. A deep understanding of credit ratings, risk metrics, and credit analytics is crucial. Experience in preparing information memorandum & assessment note, critical evaluation of information & data, identify trends, and develop solutions based on risk findings.

•

Should have proficiency in understanding and review of contractual documents, familiarity with regulatory requirements and compliances

•

Operational experience in monitoring information and data, updated analysis memo, and should have ability to detect discrepancies and analyze data thoroughly

•

Excellent written and verbal communication skills coupled with good coordination skill sets.

Academic qualification: MBA (Finance)/CA from prestigious institution

Professional Experience: 4 to 5 years of experience in a related field and in prior financial analysis or credit-related work. Prior experience in financial institutions or credit-related roles or corporate in the related field would be preferred.

• Those with no such experience as above should not apply

Visit client company- to analysis ITR, Bank statement, physical stock and Securities to detect potential risk of default. Evaluates clients' backgrounds and assesses industry trends. Determines the creditworthiness of applicants, Formulating reports.

Required Candidate profile

Worked in any banking or private loan sector. Presentation skills.

Should own two wheeler to visit client place, CAR license holder will be added advantage to travel across TN for client visit.

Duties and Accountabilities:

The Credit Analyst will be expected to manage accounts, maintain records, prepare statements, ensure compliance with guidelines, and liaise with stakeholder. This will include the following:

• Managing a ledger of up to 350 client accounts
• Ensuring that accounts are actioned in a prompt manner and within strict departmental and SRA guidelines
• Resolving client queries to ensure timely payment of debt
• Conducting internal searches of the firms document management system for invoices details
• Maintaining and updating firmwide accounts records
• Sourcing collection contact details both internally and externally
• Providing copy invoices to the credit control team as required
• Assigning invoices to appropriate collector codes

Education and/or Work Experience Requirements:

• Strong understanding of credit risk management and practices, preferably in BPM/services industry
• University degree desired
• Up to 1 year of relevant/credit analysis experience preferrable
• Proficient in ERP (Oracle preferred), MS Excel, MS Word and Outlook
• Lean/Six sigma exposure, or equivalent, an asset
• Ability to effectively communicate

Job Offer:

Along with competitive reward packages, flexible benefits and a range of mentorship and coaching programs, we have developed a performance and development framework which is designed to support your career aspirations through regular development conversations and feedback.

We strive to create a fully diverse and inclusive workplace where all our people are empowered to fulfil their potential. We are proud of our agile working culture and are always happy to talk about flexible working.