01Overview
Job Description:
Key Responsibilities
Conduct end-to-end credit appraisal for Mid and Large Corporate borrowers.
Analyze audited financial statements, cash flows, CMA data, banking conduct, and business performance.
Assess working capital requirements and recommend suitable credit structures.
Evaluate fund-based and non-fund-based credit facilities.
Prepare detailed Credit Appraisal Memos (CAM) and present recommendations to the sanctioning authority.
Perform financial ratio analysis, industry analysis, and borrower risk assessment.
Evaluate repayment capacity, debt servicing ability, and overall creditworthiness.
Assess and validate collateral/security offered for secured lending proposals.
Review legal, valuation, technical, and due diligence reports.
Coordinate with Relationship Managers, Legal, Risk, Operations, and Credit Administration teams for timely sanction and disbursement.
Ensure compliance with RBI guidelines, internal credit policies, and regulatory requirements.
Monitor existing credit exposures through annual reviews, renewals, covenant monitoring, and early warning signal identification.
Support portfolio quality by identifying credit risks and recommending suitable mitigation measures.
Products Handled
Fund-Based Facilities
Cash Credit (CC)
Overdraft (OD)
Working Capital Demand Loan (WCDL)
Term Loans
Export Packing Credit (PCFC)
Bill Discounting
Non-Fund-Based Facilities
Letter of Credit (LC)
Bank Guarantee (BG)
Standby Letter of Credit (SBLC)
Eligibility Criteria
Education
CA (Chartered Accountant) or
MBA (Finance) / PGDM (Finance)
Experience
Minimum 3 - 4 years of experience in Corporate Credit.
Experience in Mid and Large Corporate Banking is mandatory.
Strong experience in Working Capital Finance and Secured Lending.
Experience in Banks or NBFCs is preferred. .
