Credit Analyst

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.

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

Job Purpose:

- At Birla Pivot, we uphold the highest standards of ethics, professionalism, and integrity in all our dealings with customers, suppliers and every other stakeholder. The company adopts policy of zero tolerance towards breach of integrity or any unethical conduct.

- The prospective candidate should familiarise themselves with the company's Code of Conduct while exploring employment opportunity with Birla Pivot. By applying for a position at Birla Pivot, the candidate affirms their commitment to these principles and agrees to uphold the company's standards of ethical behaviour throughout their tenure.

- Candidates must also fully, clearly and accurately disclose all relevant background information during the recruitment process, including any existing or potential conflicts of interest. Failure to do so may result in disqualification
from consideration or termination of employment.

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.