Credit Analyst- Banking

• Credit Analyst- Banking
• Company: discoveries quintessential
• Job Location: Navi Mumbai, Maharashtra, India
• Employment Type: Full-time
• Experience Required: 2 - 6 years
• Credit & CMA Analyst Bank Finance Division Location: Work from Office

To support the Bank Finance Arranger division by preparing client profiles, understanding business models, creating CMA data, ratio analysis , preparing Financial proposals and handling coordination with banks and clients for funding proposals including Working Capital, Term Loans, Project Finance, LRD, and Real Estate funding cases.

• Interact with SME and Corporate clients to understand their business model, project requirements, and funding needs.
• Prepare detailed CMA data, DSCR, ICR, TOL/TNW, Current Ratio and other financial parameters.
• Prepare project finance proposals for Greenfield and Brownfield projects , including cost of project, means of finance, implementation schedule, and revenue projections.
• Work on Lease Rental Discounting (LRD) and Real Estate project funding proposals.
• Coordinate with banks, NBFCs, and clients to obtain pending documents, resolve queries, and ensure timely sanction and disbursement.
• Prepare and maintain MIS trackers for each case showing stage-wise progress, pendencies, and next actions.
• Assist in drafting sanction notes, renewal papers, credit justifications , and compliance reports.
• Excellent command over CMA preparation, project finance analysis, and ratio calculations (DSCR, ICR, TOL/TNW, Current Ratio).
• Working knowledge of Excel (Pivot Tables, Financial Formulas), Tally, and MS Word.
• Strong understanding of banking norms and credit appraisal processes (SBI, Axis, Union Bank, NBFCs, etc.).
• Qualification & Experience
• B.Com / M.Com / CMA inter /CA (Inter) / MBA (Finance).26 years' experience in bank proposal preparation, project finance, or working with DSA / financial consultancy / NBFC.
• A finance professional who:
• Understands how banks assess SME and Project Finance proposals.
• Can independently prepare CMA and ratio analysis.
• Communicates confidently with both clients and bank officials.
• Enjoys translating business data into structured funding presentations. .