Job Description

To evaluate SME credit proposals through financial analysis, customer due diligence and risk assessment. The role applies independent judgment to assess creditworthiness and recommend lending decisions in line with approved policies and risk frameworks.

• Evaluate SME credit proposals through detailed analysis of financial statements, cash flows, business performance, and repayment capacity.
• Conduct customer due diligence, credit assessment, and risk evaluation in line with approved credit policies and underwriting standards.
• Prepare credit appraisal notes and provide recommendations on lending decisions based on risk-return considerations.
• Assess industry, business, financial, and operational risks and highlight key credit concerns and mitigants.
• Conduct customer visits and management discussions, wherever required, to validate business operations and credit assumptions.
• Monitor portfolio performance, delinquency trends, and early warning signals to support portfolio quality and risk management.
• Ensure compliance with credit policies, regulatory requirements, and internal risk frameworks.
• Support portfolio reviews and provide analytical insights to strengthen credit decision-making and governance.

Experience Range : 1 to 5 Years

Qualifications

Graduate (Any Specialisation)

CA/ MBA