Job Summary:
We are seeking a highly skilled and analytical Credit folk to join our growing team. The ideal candidate will have 7-10 years of experience in credit underwriting of corporate clients preferably with exposure to Mid-market financial sector and NBFC clients. A background in accounting audit and/or forensic audit will be considered a strong advantage.
Key Responsibilities:
- Perform end-to-end credit underwriting for wholesale and mid-market corporate clients, primarily in the financial sector
- Conduct detailed analysis of financial statements, assess creditworthiness, and identify key business and financial risks.
- Structure and recommend credit facilities in line with internal policies and risk appetite.
- Collaborate with business teams to understand client requirements and ensure appropriate credit structuring.
- Prepare and present comprehensive credit appraisal notes for approval committees.
- Continuously monitor portfolio performance and highlight early warning signals and credit deterioration.
- Ensure compliance with regulatory guidelines, internal credit policies, and documentation standards.
- Leverage experience in accounting audits to assess financial integrity and detect potential red flags.
- Apply forensic audit insights where relevant to identify misrepresentations or financial irregularities.
Qualifications & Experience:
- Chartered Accountant (CA) and/or Chartered Financial Analyst (CFA) preferred.
- 7-10 years of experience in wholesale credit underwriting with a focus on financial sector clients
- Strong understanding of financial analysis, risk assessment methodologies, and credit structuring.
- Strong Excel Skills
- Decent Communication and Interpersonal skills
