Credit Analyst · Mumbai

Ambient Consultancy LLP is hiring an entry-level Credit Analyst to support credit evaluation, underwriting, and risk assessment workflows.

Key Responsibilities

• Review loan applications and assess the creditworthiness of individual or business applicants.
• Analyze financial statements, balance sheets, cash flow statements, and tax returns thoroughly.
• Evaluate client financial stability, repayment capability, and potential risk indicators.
• Prepare comprehensive credit evaluation notes, appraisal reports, and underwriting summaries.
• Verify KYC documents, financial records, and statutory compliance documentation.
• Liaise with internal operations and client advisory teams to gather missing information.
• Ensure credit decisions adhere strictly to internal lending criteria and compliance guidelines.
• Maintain organized and audit-ready credit files and loan assessment documentation.
• Assist senior credit analysts in conducting portfolio reviews and risk monitoring.
• Track loan repayment patterns and highlight delinquency or default early warning signs.
• Support regular MIS generation, portfolio tracking, and management reporting tasks.