Credit Audit

Role & responsibilities

• Participate in audits covering Working Capital, Term Loan, and Non-Fund Based products across Consumer, Commercial, and Corporate Banking portfolios.
• Review credit appraisal, sanctioning, monitoring, and renewal processes to assess adherence to internal policies, regulatory guidelines, and delegated authorities.
• Evaluate borrower assessments, financial analysis, credit due diligence, and risk monitoring frameworks.
• Assess compliance with pre- and post-sanction conditions and identify potential credit, process, and control risks.
• Identify gaps in credit risk evaluation, monitoring, and governance processes, and recommend corrective actions.
• Analyze portfolio trends, exceptions, and control weaknesses to support risk-based insights and recommendations.
• Collaborate with business, credit, risk, and support teams to discuss observations and drive resolution of identified issues.

Preferred candidate profile

Candidates with experience in credit evaluation, credit risk, lending businesses, portfolio monitoring, or related risk and control functions will be well positioned to succeed in this role.

• Credit assessment and underwriting
• Financial statement and ratio analysis
• Working capital and term loan evaluation
• Borrower, industry, and portfolio risk assessment
• Credit monitoring and portfolio management
• Understanding of lending policies, regulatory requirements, and governance frameworks
• Analytical thinking and problem solving
• Stakeholder management and communication skills
• Data analysis, MIS, and business insights