Ujjivan Small Finance Bank - Credit Analyst

Description:

ROLE PURPOSE & OBJECTIVE:

- This role prepares Credit assessment notes with detailed financial analysis for lending cases to various NBFCs and MFIs and presenting to Credit Committee.

- The incumbent meets clients and completes due diligence exercise as part of Credit appraisal process.

- Manage complete credit appraisal and due diligence on credit cases within defined TAT.

- Proper maintenance of Credit files as per Internal guidelines and regulatory guidelines

- Monitor portfolio assigned on regular basis and reporting any covenant breach/abnormal events to Management and suggesting remedial actions.

- Manage quicker TAT for processing cases

- Use Rating models to complete rating for all cases assigned

- Monitor of portfolio assigned on regular basis, testing financial covenants and periodic review of assigned portfolio

- Maintain timely review/renewal of all cases on due dates

- Maintain all Credit files systematically and in compliance with all Internal and regulatory guidelines

Required Skills & Qualifications:

- Bachelors / Masters degree in Finance, Commerce, Accounting, Economics, or a related field.

- 3-6 years of experience in credit appraisal, risk analysis, or financial due diligence, preferably in a bank, NBFC, or rating agency.

- Strong understanding of financial statements, cash flow analysis, and ratio analysis.

- Familiarity with credit rating methodologies and internal rating models.

- Knowledge of RBI and NBFC regulatory frameworks.

- Proficiency in MS Excel, PowerPoint, and financial modeling tools.

- Excellent analytical, documentation, and communication skills.

- Strong attention to detail with the ability to meet deadlines under pressure.