This role is for one of our clients
Industry: Staffing and Recruiting
Company Name: SaplingsHR
Seniority level: Entry level
Min Experience: 0 years
Location: Karnataka, Tamil Nadu, Andhra Pradesh, Telangana
JobType: full-time
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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
