Credit Analyst

Company Description SM Financial Advisors is a growing financial services firm focused on providing personalized advisory and credit solutions to individuals and businesses. The firm combines financial expertise with data-driven analysis to help clients make informed borrowing and investment decisions. SM Financial Advisors emphasizes ethical practices, transparent communication, and long-term client relationships. Team members work collaboratively to deliver reliable, high-quality financial services in a dynamic and client-centric environment.
Role Description This is a full-time, on-site Credit Analyst role based in Surat. The Credit Analyst will assess the creditworthiness of clients by reviewing financial statements, credit histories, and market conditions. Responsibilities include preparing detailed credit reports, monitoring existing credit portfolios, and recommending credit limits and terms in line with company policies. The role involves collaborating with advisors and relationship managers, communicating findings and risk assessments, and supporting the development of credit strategies. The Credit Analyst will also help maintain accurate documentation, ensure compliance with regulatory requirements, and contribute to continuous improvement of credit evaluation processes.
Qualifications
Candidates should possess strong Credit Management and Credit analysis skills.
Candidates should possess robust Analytical Skills for evaluating financial data and risk.
Candidates should possess solid Finance knowledge, including understanding of financial statements and ratios.
Candidates should possess effective Communication skills for presenting findings and collaborating with stakeholders.
Relevant experience in credit analysis, banking, or financial services is beneficial.
Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field is preferred.
Proficiency with spreadsheets, financial modeling tools, and credit scoring methodologies is advantageous.
Attention to detail, integrity, and the ability to work both independently and in a team-oriented environment are important.

Work arrangement
No