This role is for one of our clients
We are looking for a Chartered Accountant (CA) or Cost & Management Accountant (CWA) Fresher to join as a Management Trainee in the Credit function. This role offers a strong foundation in credit underwriting, risk assessment, and financial analysis within the banking and MSME lending space. The ideal candidate will gain hands-on exposure to end-to-end loan processing, customer evaluation, and portfolio monitoring while working closely with business and risk teams.
Requirements
Financial & Credit Responsibilities
- Conduct detailed customer assessments through field visits to business locations, residences, and collateral sites
- Prepare credit assessment memos, including financial analysis and cash flow evaluation
- Evaluate collateral, including legal and technical due diligence
- Perform credit checks and ensure compliance with documentation requirements
- Recommend and underwrite proposals in line with internal policies and procedures
- Support loan disbursement processes, ensuring accuracy and zero-error execution
- Monitor early delinquencies and identify potential risk cases to maintain a healthy portfolio
- Assist in managing post-disbursement documentation and compliance
Operational Responsibilities
- Process loan files within defined turnaround times (TAT)
- Coordinate with business teams to ensure seamless proposal processing
- Stay updated on local market conditions, including economic, legal, and industry developments
- Provide inputs and updates to senior stakeholders on potential risks or market changes
- Support internal teams through knowledge sharing on products, policies, and processes
Compliance & Risk Responsibilities
- Resolve audit queries and ensure adherence to internal and regulatory guidelines
- Maintain strict confidentiality of customer and organizational data
- Review early warning signals and non-starter cases with due diligence
- Ensure full compliance with company policies and risk frameworks
Functional Competencies
- Basic understanding of mortgage lending and MSME credit evaluation
- Knowledge of credit bureau checks, property valuation, legal reports, and documentation
- Awareness of banking and financial parameters used in borrower assessment
- Strong documentation and analytical skills
Behavioral Competencies
- Strong interpersonal and communication skills
- Detail-oriented with a high level of accuracy
- Result-driven with a proactive and positive approach
- Strong problem-solving mindset and willingness to learn
Qualifications & Experience
- CA / CWA (Qualified)
- Freshers are encouraged to apply
Skills
- Credit Analysis
- Financial Assessment
- Risk & Compliance
- Documentation Management
