Job Description

Credit Analyst-

About the Role

Auswide Pvt. Ltd. is seeking a detail-oriented and analytical

Credit Analyst

to join our finance team. The ideal candidate will have a strong foundation in financial analysis, risk assessment, and credit evaluation. If you have experience in reviewing financial data, preparing credit reports, and working with tools like Excel, credit bureaus, and CRM platforms, we'd love to hear from you.

Responsibilities:

Analyze financial statements (balance sheets, income statements, cash flow) for new and existing clients. Conduct credit risk assessments and evaluate loan proposals. Prepare and present detailed credit reports and recommendations. Monitor client credit profiles and identify early warning signals. Collaborate with internal teams (loan officers, risk, legal) on credit decisions. Maintain accurate documentation for all credit evaluations and decisions. Ensure compliance with company credit policies and regulatory guidelines (Basel, RBI). Assist in audits and compliance checks as required. Stay informed on market trends and industry-specific risks.

Technical Skills Required:

Financial Statement Analysis

- Evaluate income statements, balance sheets, and cash flow reports.

Ratio Analysis

- Assess liquidity, profitability, and solvency metrics.

Credit Risk Assessment

- Identify and measure potential credit losses.

Loan Structuring

- Understand terms, repayment schedules, and collateral arrangements.

Cash Flow Analysis

- Analyze operating and free cash flow for repayment capability.

Credit Scoring Tools

- Experience with CIBIL, Equifax, Experian, or internal scoring platforms.

Accounting Knowledge

- Familiarity with GAAP or IFRS standards.

Industry Research

- Evaluate external factors that influence client creditworthiness.

Excel & Financial Modelling

- Build and maintain dynamic models for analysis.

Soft Skills:

Strong analytical and critical thinking Attention to detail Effective communication (written and verbal) Time management and multitasking ability Ethical judgment and confidentiality Negotiation and decision-making skills Team collaboration

Tools & Software:

MS Excel / Google Sheets

- Financial modeling and reporting

Credit Rating Platforms

- CIBIL, Equifax, Experian

ERP Systems

- SAP, Oracle

CRM Tools

- Zoho CRM or similar

Financial Databases

- Bloomberg, Reuters
Job Type: Full-time

Pay: ?18,000.00 - ?25,000.00 per month

Benefits:

Food provided Health insurance
Ability to commute/relocate:

Mohali, Punjab: Reliably commute or planning to relocate before starting work (Required)
Language:

English (Required)
Location:

Mohali, Punjab (Required)
Work Location: In person