Credit Analyst
Gbn Finex Private LimitedFixed
₹18,000 - ₹20,000
Earning Potential
₹20,000
Fixed
₹18,000 - ₹20,000
Earning Potential
₹20,000
Work from Office
Full Time
Min. 1 year
Basic EnglishJob highlights
Urgently hiring
1 applicants
Job Description
Credit/Loan Appraisal Officer – Short Job Description
Focus: CMA Data & Project Reports for Bank Loans
Core Role: Assess borrower creditworthiness and prepare documents to get loans sanctioned from banks.
Key Duties:
1. Appraise Loan Proposals - Check financials, ITR, GST, bank statements, CIBIL. Calculate ratios like DSCR, Current Ratio, D/E.
2. Prepare CMA Data - Make Forms I to VI with 2 yrs past + 3 yrs projected P&L, Balance Sheet, Fund Flow, MPBF calculation for working capital loans.
3. Make Project Reports - For term loans: cost of project, means of finance, 5-7 yr projections, DSCR, BEP, market & technical analysis.
4. Bank Liaison - Compile loan file, reply to bank queries, attend meetings, ensure RBI/bank policy compliance.
5. Risk Analysis - Evaluate 5 Cs of Credit, collateral, repayment capacity, and recommend sanction/rejection.
Skills Needed: Tally, Excel, financial analysis, knowledge of RBI norms, CMA formats, banking products.
Qualification: B.Com/M.Com/MBA Finance/CA Inter + 1-3 yrs exp in banking/CA firm/finance preferred.
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The candidate should have completed Graduate degree and people who have 1 to 31 years are eligible to apply for this job. You can apply for more jobs in Surat to get hired quickly.
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