Credit Analysis (Asset Based Lending)

Job Title: Credit Analysis (Asset Based Lending) (Associate/ Sr Associate/ Delivery Lead/ Manager)

Acuity is currently looking for for experienced professionals (3-10 years) in Corporate Credit Analysis, Annual Reviews, Portfolio Monitoring to join our growing team in Bangalore!

Location: BangaloreWork hours: 11am to 8pm ISTDepartment: Lending ServicesExperience Level: 3-10 years

Key Skills/ Responsibilities

The candidate will perform credit risk assessment for General CorporatePerform detailed financial statement analysis (income statement, balance sheet, cash flow).Build and maintain financial models to assess borrowing capacity, liquidity, and repayment ability.Review monthly borrowing base certificates for accuracy, trends, and covenant compliance.Track borrowing base deficiencies, over-advances, and collateral deterioration.Managing a portfolio of clients and handling risk rating assignmentsStrong writing skill and experience in preparing detailed credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.)Analysing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterpartiesAdhering to standard operating procedure & policies including compliance documentation.Maintaining strong relationship with the client

Key Competencies

Strong understanding of credit principles, policies and regulations for Banks and Financial Institutions counterparties.Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree.Excellent written & verbal communication skills and ability to build effective relationships with various stakeholders.Ability to multi-task independently under tight timelines and eye for details.3 - 10 years relevant experience in the field of credit analysis for Financial Institution