Location: Akurdi, Pune (PCMC)
Experience: Fresher (0–1 Year)
Qualification: B.Com / BBA (Finance) / BMS (Finance)
CTC: ₹3.0–3.6 LPA
Job Overview
We are looking for a motivated and analytical Trainee Credit Analyst to join our team. This opportunity is ideal for fresh graduates with a background in Finance or Commerce who are interested in building a career in credit analysis, financial assessment, and risk evaluation.
The selected candidate will receive an opportunity to develop practical knowledge of financial statements, credit assessment, and financial analysis while working with experienced professionals.
Key Responsibilities
- Assist in analysing financial statements, including Balance Sheets, Profit & Loss statements, and Cash Flow statements.
- Support the assessment of the financial health and creditworthiness of companies and borrowers.
- Assist in evaluating financial ratios, debt obligations, profitability, and repayment capacity.
- Collect, verify, and organize financial documents required for credit assessment.
- Conduct basic financial research and assist in preparing credit analysis reports.
- Review financial data to identify discrepancies, potential risks, and areas requiring further investigation.
- Maintain accurate records and documentation related to credit assessments.
- Coordinate with internal teams to obtain relevant financial information and supporting documents.
Eligibility Criteria
- Fresh graduate with a degree in B.Com, BBA (Finance), or BMS (Finance).
- Strong interest in finance, credit analysis, and financial research.
- Basic understanding of accounting principles and financial statements.
- Familiarity with MS Excel and basic financial calculations.
- Good analytical, numerical, and problem-solving skills.
- Good communication skills and attention to detail.
- Willingness to learn and develop expertise in credit analysis.
Preferred Skills
- Basic understanding of financial ratios such as the Current Ratio, Debt-to-Equity Ratio, and Profitability Ratios.
- Knowledge of Balance Sheets, Profit & Loss statements, and Cash Flow statements.
- Academic projects or internships in finance, accounting, financial analysis, or banking will be an added advantage.