Credit Analyst - Associate Relationship Manager

Key Responsibilities:

• Analyze financial statements, balance sheets, P&L, and cash-flow statements.
• Assess customer/vendor creditworthiness and repayment capacity.
• Evaluate working capital requirements, including receivables, inventory, payables, and cash conversion cycle.
• Conduct credit risk analysis and recommend appropriate credit limits and terms.
• Monitor outstanding receivables, overdue payments, and utilization of working capital limits.
• Prepare MIS, credit appraisal reports, and portfolio performance reports.
• Identify financial and operational risks and recommend mitigation measures.
• Coordinate with Sales, Finance, Treasury, Operations, and Collections teams.
• Track covenant compliance, bank limits, and working capital facilities.
• Support periodic reviews of existing customers and new credit proposals.