Job Description

We are currently looking for

Credit Analysts

to be based in Pune, India. This is with our Indian subsidiary company Ezdaher India Private Limited, a member of the Avana Companies Family.


Ezdaher India Private Limited is a KPO based in Pune and provides credit underwriting and other functional services to our parent company AVANA Companies, USA.


Our credit analysis process plays a key role in evaluating borrowers' ability to repay, valuing the collateral, and managing risk throughout the loan term, ensuring that our investments are protected. The main job of a credit analyst is to give well-informed recommendations on loan requests and present each loan as an investment opportunity to senior management. This is done by creating clear and accurate reports that show both the strengths and risks of each loan.


As part of the AVANA team, we will provide you training in U.S. real estate lending and pair you with experienced U.S.-based underwriters to ensure you have the support needed to succeed.


We will train you to provide great customer service and build strong client relationships, following AVANA's core values: Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence is a journey.

Key Results

Spread financial information and prepare a prescreen within 48 hours or receipt of Prescreen Checklist items Achieve a minimum of 4 loans funded each quarter Produce first draft of CAM for review within 10 business days of loan entering underwriting

Core Competencies

Analytical Thinking Attention to Detail Collaborating with Others Decision Making Problem Solving

Duties and Responsibilities (Training will be provided):

Analyze loan requests

thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability.

Collaborate with internal teams

to ensure each loan is processed within the set time frames in the service level agreement.

Communicate proactively with clients and the sales team

to gather the necessary information for making informed credit decisions.

Recommend suitable loan structures

based on the credit request.

Follow AVANA's credit analysis standards

as outlined in the loan policy

Prepare and present clear credit analysis memos

that accurately assess the borrower's creditworthiness and collateral value, highlighting strengths and risks

Perform periodic risk assessments and monitoring

on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks.

Administer construction loans

, tracking budgets, schedules, third-party reports, and ensuring timely funding.

Research and analyze industry trends

to spot potential risks in the market.

Use U.S.-based resources

to assess portfolio risks, including probabilities of default and potential losses.

Ensure compliance

with legal and management standards across all areas.

Be open to travel

for training purposes.

Take on additional tasks

as assigned by the Chief Credit Officer or Management.

Required Education and Experience / Skills:

Bachelor's degree in finance or accounting with a strong academic background At least 3 years of experience in commercial lending, preferably in commercial real estate, Loan against property and hotel lending. Quick learner, strong problem-solving skills, and ability to think. Excellent analytical skills, able to interpret complex financial data and identify key risks. Excellent knowledge of accounting rules. Knowledge of US GAAP and IFRS will be beneficial. Ability to work independently with minimal supervision. Comfortable in a fast-paced, multinational environment, able to manage multiple priorities. Strong attention to detail, with the ability to spot data discrepancies. Availability to work U.S. hours (IST 5:30 PM to 2:30 AM). Ability to coordinate with internal and external stakeholders. Excellent written and spoken English, able to clearly communicate findings and recommendations. Proficient in Microsoft Excel and Word.

Desired Functional and Behavioral Characteristics:

Positive and professional attitude. Self-motivated with a proactive approach to tasks. Team player with a willingness to collaborate and support colleagues. Strong commitment to accuracy and attention to detail.

What we have to offer

Competitive salary and benefits package Ample opportunities for growth and self-development Opportunities for professional development and advancement * Collaborative and inclusive work environment with international exposure