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Credit analyst/ Senior analyst (Finance & Accounts)/ 1352 days ago

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Job Preference:

• Person from Banking / Investment banking  or previous work experience in same profile.                          
• Strong communication & relationship skills
• Ability to negotiate & close deals
• Analytical bent of mind & comfortable with numbers

Qualification:

Job Description:

•  Collecting all documents required for the process of loan from the customer like KYC documents, Income Tax Returns, financial statements, business banking record etc.
•  Scrutiny of all documents given by the customer regarding loan like KYC documents, Income Tax Returns, financial statements, business banking record etc.
•  Meet the customer  and understand the Proposal and Security
•  Checking information about Customer on ROC, online and the Proposal.
•  Should have good understanding of financial statement and understanding different financial ratios.             
• Should be able to make and prepare cash flow/ CMA Data/ Cash flow projection and also calculate different financial ratios       
• Evaluation of Proposal on various parameters like
• Evaluation of Eligiblity of the Customer.
• valuation of financial strength of the borrower/group.
•  Evaluation of project/Security from legal and technical prospective.
• Structuring the loan according to the requirement of the Customer and projected cash-flows.
• Collecting all the details from the customer which is required by different Banks/ Financial institute for the processing of the proposal
•  Understanding the Customer requirement and structuring the Proposal accordingly
•  Preparing of the Project Report/ information memorandum basis on the details and Document collected from the customer which comprises of Profile of customer, Project Details/ Security details with feasibility/Eligibility, Sensitivity analysis & projected Cash flow
• Coordinating with banks/ Financial Institution for the appraisal of the loan.
•  Helping Customer Post sanction in completion of documentation and disbursement process by adhering the sanction terms and conditions of the banks/ Financial Institution.