Credit Analyst

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.