Credit Analyst Jobs in Chennai BFSI

📋 Job Description

Jobzi is sourcing qualified candidates for Credit Analyst positions in Chennai's private BFSI sector. This is a full-time opportunity with a reputed Banking, Financial Services and Insurance employer in Chennai offering competitive salary, structured growth, and a professional work environment. Tamil communication skills are preferred alongside English for professional and business interaction in Chennai.

📌 Key Responsibilities

• Analyze borrower financial statements to assess creditworthiness and repayment capacity
• Prepare detailed credit appraisal memorandums for retail, MSME, and corporate loan proposals
• Evaluate CIBIL scores, bureau reports, and repayment history of applicants
• Conduct industry analysis, peer benchmarking, and collateral valuation for loan proposals
• Calculate key financial ratios (DSCR, LTV, Current Ratio) and stress test loan proposals
• Review and process loan documentation, legal opinions, and property valuation reports
• Present credit proposals to the sanctioning authority with risk mitigants and recommendations

🎓 Qualifications and Requirements

• MBA in Finance, CA, CFA, or B.Com/B.Tech with relevant banking experience
• 2 - 6 Years of credit analysis experience in retail, MSME, or corporate banking
• Strong financial statement analysis and ratio analysis skills
• Knowledge of RBI lending norms, CIBIL, and banking regulations
• Proficiency in Excel for financial modeling and loan appraisal workbooks
• Attention to detail and ability to identify risks in credit proposals
• Good communication skills for credit presentation and documentation review
• Good Tamil and English communication skills for team coordination and client interaction in Chennai.

✅ Required Skills