Credit Analyst
Profile Code: AL-BFS-03
- ₹5.5 LPA (Median Salary)
- Lecture Duration 2hrs
- Course Duration 8 Weeks
Skills You Learn: Credit Analysis | Financial Statement Analysis | Ratio Analysis | Cash Flow Analysis | Credit Risk Assessment | Loan Underwriting | Credit Appraisal | Financial Modeling | Income Verification | Collateral Evaluation | Lending Policies & Procedures | Credit Decision Making | Risk Management | Banking Regulations | Advanced Excel | SQL Basics | MIS Reporting | Business Communication | Analytical Thinking | Attention to Detail
Overview Video
About This Course
A Credit Analyst evaluates whether to approve a loan/credit request and how to structure it (amount, tenure, pricing, security, and conditions). The role is central to lenders because credit decisions drive portfolio quality and profitability. Work starts with gathering and validating applicant data—KYC, income proofs, bank statements, tax filings, and bureau reports—and checking for red flags like recent delinquencies, high obligations, unstable income, or document inconsistencies. The analyst applies credit policy rules (score cut-offs, FOIR/DBR limits, exposure caps, acceptable industries) and prepares an underwriting recommendation that is clear and audit-friendly. For SME/corporate lending, analysis often includes financial statements, cash-flow assessment, working capital cycle review, leverage/coverage ratios, and scenario checks. Credit Analysts coordinate with sales/relationship teams, operations, and legal to ensure decisions are timely and compliant. Over time, they develop strong judgment and pattern recognition, and can progress into underwriting leadership, credit risk, or portfolio analytics roles.
Key Responsibilities
- Analyze loan applications
- Assess borrower creditworthiness
- Evaluate financial statements
- Perform ratio and cash flow analysis
- Conduct credit risk assessment
- Verify income and supporting documents
- Prepare credit appraisal reports
- Recommend loan approvals or rejections
- Ensure compliance with lending policies
- Monitor existing loan portfolios
- Review collateral and security documents
- Identify potential credit risks
- Coordinate with underwriting and relationship teams
- Maintain accurate credit documentation
- Support portfolio quality and risk management.
Growth Path
Tools Used
Perfect For
Fresh Graduates | B.Com Graduates | BBA Students | MBA Finance Students | M.Com Graduates | Banking & Finance Aspirants | Credit Processing Professionals | Loan Officers | Risk Management Professionals | Financial Analysts | Operations Executives | Career Switchers | Anyone Interested in BFSI Credit Careers
Fee Structure
Mentor
Analytics Learners
Professional Analyst & Mentor
Explore Various Career Paths in BFSI
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