4 Credit Evaluation Jobs nearby Kolkata

As the leader of the credit analysis team at A One Advisory, your role involves overseeing financial assessments, guiding analytical processes, and ensuring thorough credit evaluations for clients. **Key Responsibilities:** - **Team Leadership:** Manage and mentor a team of Associate Analysts to create a collaborative and high-performance work environment. - **Financial Analysis:** Conduct detailed analysis of balance sheets, profit and loss statements, cash flow statements, and notes to accounts to evaluate financial health. - **Ratio Analysis:** Evaluate essential financial ratios such as liquidity, solvency, and profitability to determine company strength and creditworthiness. - **Client Engagement:** Communicate with company promoters to obtain insights into business operations and performance compared to industry benchmarks. - **Report Preparation:** Assist the analytical team in creating comprehensive rating notes, ensuring precision and adherence to industry standards. - **Rating Process Management:** Supervise the complete interactions with rating agencies, guaranteeing the timely and accurate completion of the rating process. **Qualifications:** - MBA in Finance or CA. - Strong communication, analytical, and problem-solving skills. - Minimum of 4 years in credit analysis, with a minimum of 1 year in a leadership role managing a team.,

As an underwriter for corporate finance business in your assigned area, your role will involve the following key responsibilities: - Support and co-partner with business teams to manage end-to-end credit approval for the designated region. - Underwrite cases and present them to senior levels for review. - Authorize deviations raised and documented by underwriters in compliance with credit policy. - Finalize the review of credit memos prepared by underwriters, and provide approval/decline sign-offs on every file after checking for documentation requests. - Approve all disbursement requests based on adherence to requirements on agreement value and full documentation attainment at the branch level. - Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. - Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate any undue/non-process related delays. - Co-ordinate with the recoveries team to generate business insights. - Lead a team of credit approvers to ensure portfolio quality and minimize delinquencies. - Engage in the development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. - Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. - Evolve underwriting norms customized to local market needs and ensure the continued enhancement and execution of consumer credit risk strategy. Qualifications required for this role include: - MBA/PGDBA/PGPM/CA or Equivalent,

You will be joining A One Advisory, a leading finance consulting firm specializing in credit rating advisory and financial consultancy. Founded by experienced first-generation entrepreneurs with a collective experience of over 30 years in the finance industry, the firm has successfully completed over 2,000 assignments. As a Senior Credit Analyst at A One Advisory, your primary responsibility will be to lead the credit analysis team. This will involve overseeing financial assessments, guiding analytical processes, and ensuring comprehensive credit evaluations for our clients. Key Responsibilities: - Team Leadership: Manage and mentor a team of associate credit analysts to foster a collaborative and high-performance environment. - Financial Analysis: Conduct detailed analysis of balance sheets, profit and loss statements, cash flow statements, and notes to accounts to assess financial health. - Ratio Analysis: Evaluate key financial ratios such as liquidity, solvency, and profitability to determine company strength and creditworthiness. - Client Engagement: Interact with company promoters to gain insights into business operations and performance relative to industry benchmarks. - Report Preparation: Guide the analytical team in preparing detailed rating notes to ensure accuracy and compliance with industry standards. - Rating Process Management: Oversee the end-to-end interactions with rating agencies to ensure timely and accurate completion of the rating process. Qualifications: - MBA in Finance or CA. - Good communication, analytical, and problem-solving skills. - 2-5 years of experience in credit analysis, with a minimum of 1 year in a leadership role managing a team.,

As an Underwriter for corporate finance business in your assigned area, your role involves managing the portfolio and providing support to business teams in end-to-end credit approval processes. Your key responsibilities include: - Supporting and collaborating with business teams to oversee credit approval processes for the designated region - Underwriting cases and presenting them to senior management for approval - Authorizing deviations raised by underwriters in compliance with credit policy - Finalizing review of credit memos prepared by underwriters, and approving/declining files after checking for documentation requests - Approving all disbursement requests based on adherence to agreement value requirements and full documentation at the branch level - Monitoring and overseeing PDD management, ensuring timely completion through customer visits in high-value cases - Coordinating with external vendors for timely query resolution/report submission and eliminating delays - Leading a team of credit approvers to maintain portfolio quality and manage delinquencies - Engaging in the development, implementation, review, and monitoring of credit programs, providing training and coaching to enhance team competency and processing efficiency - Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and loan sanctioning - Customizing underwriting norms to local market needs and continuously improving consumer credit risk strategy execution Your qualification should include an MBA/PGDBA/PGPM/CA or equivalent degree.,

As a Controller at Heritage Financial Credit Union, you will play a key leadership role in overseeing the Credit Union's accounting operations and financial reporting functions. You will be responsible for ensuring compliance with all legal, regulatory, and accounting standards, including adherence to Generally Accepted Accounting Principles (GAAP). Your role will involve managing a team of accounting professionals, maintaining accurate financial records and controls, and contributing to strategic financial decision-making. You will also partner closely with the SVP of Financial Operations and executive leadership to maintain sound financial practices and support strategic growth and operational excellence. **Key Responsibilities:** - Lead, mentor, and develop the accounting team to promote high performance, accountability, and professional growth. - Conduct performance evaluations and manage staffing needs including hiring, training, and ongoing development. - Maintain open and effective communication to ensure team alignment with organizational goals. - Oversee the preparation of accurate and timely internal and external financial statements. - Ensure compliance with GAAP, NCUA regulations, and internal financial policies and procedures. - Manage general ledger operations, account reconciliations, and regulatory filings. - Provide financial insights and analysis to support strategic decision-making and long-term planning. **Qualifications Required:** - 4-year college degree preferred plus five to seven years of experience in the management of an accounting department in a banking setting; or a comparable combination of education and experience. Masters Degree preferred. - Thorough knowledge of accounting principles and excellent communication skills. - Experience using P.C. based accounting software, Microsoft Office Suite of Products, and Adobe Acrobat. - Ability to project a professional appearance and positive attitude at all times. - Strong interpersonal skills for collaborating with other departments and managing staff. - Excellent attention to detail, problem-solving, and communication abilities. If you are ready to make a significant impact as a Controller at Heritage Financial Credit Union and play a vital role in shaping the future of a member-centric organization, we encourage you to apply for this challenging and rewarding position. Please note that the salary for this position ranges from $98,000 to $120,000, depending on experience. Additionally, the company offers a comprehensive benefits package including incentives, paid time off, medical, dental, vision, and life insurance, employee assistance program, flexible spending accounts, educational assistance, 401(k) with employer match, and paid time to volunteer.,

As a Mortgage Underwriter at our company, your role involves reviewing and assessing a wide range of complex loan applications within defined guidelines. Your decisions will directly impact the approval process, and you may need to recommend certain applications to higher authorities for approval. It is essential to underwrite proposals according to established policies and procedures to meet agreed service level agreements and manage business volumes in your assigned city or area. Key Responsibilities: - Conduct personal discussions with customers to evaluate their creditworthiness, ensuring the completion of necessary credit and KYC documents through telephonic, field, and collateral visits. - Analyze income to obligation ratios and loan to value ratios, demonstrating a deep understanding of the rationale behind these calculations and their impact on loan performance over extended periods. - Maintain Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster, providing regular reports on these metrics. - Cultivate effective relationships with third parties to achieve the best outcomes for clients. - Address client queries promptly, utilizing industry knowledge and experience to solve problems and overcome challenges. - Strive to exceed service quality standards and continuously seek opportunities for process improvement. - Conduct thorough reviews of credit proposals, highlighting industry, business, financial, management, and facility structure risks. - Ensure appropriate collateral and credit risk mitigation strategies are in place to support the decision-making process for credit proposals. - Collaborate with the sales team to expedite the processing of credit lending proposals for mortgage business, including loans against property and home loans. - Conduct ongoing reviews of credit exposures to maintain their bankability. - Monitor client and collateral creditworthiness from pre-sanction to post-disbursement phases, taking necessary risk mitigation steps when required and ensuring compliance with legal and documentation norms. - Manage the credit underwriting function of your branch, working closely with local credit analysts and the sales team to expedite credit lending proposals. - Follow up on quick mortality cases within the 12-18 months of vintage (MOV) to ensure timely recovery. Qualifications: - Graduate or Masters/Post Graduate degree Certifications (Preferable): - CA/MBA This is the summary of your role as a Mortgage Underwriter at our company.,