Credit Underwriter For SME loan

Role & responsibilities

Roles & Responsibilities

• Financial & Credit Analysis: Conduct detailed financial statement analysis (Balance Sheet, P&L, Cash Flow, tax returns, bank statements) to assess the borrower's debt-servicing capacity and cash flow health.
• Risk Assessment: Evaluate business risk, promoter background, industry dynamics, market positioning, and repayment capacity for SME borrowers.
• Personal & Field Visits: Conduct pre-sanction field visits, personal discussions with promoters, and business site inspections to verify operational scale and credibility.
• Credit Structuring & Proposals: Prepare comprehensive Credit Appraisal Memos (CAMs), structuring loan facilities (working capital, term loans, trade finance) with optimal tenure, pricing, and collateral requirements.
• Compliance & Due Diligence: Ensure strict adherence to internal credit policies, regulatory guidelines (RBI/banking norms), KYC/AML standards, and legal/technical valuation requirements.
• Portfolio Monitoring: Monitor post-sanction performance, track early warning indicators (EWIs), manage covenants, and assist in portfolio review to maintain asset quality.

Preferred Candidate

We are seeking an analytical and detail-oriented Credit Underwriter (SME Loans) to evaluate, risk-assess, and approve small and medium enterprise loan applications. In this role, you will analyze financial statements, assess business models, evaluate creditworthiness, and recommend appropriate credit structures while balancing risk mitigation and business growth.

Preferred candidate profile

Preferred Candidate Profile

• Education: Bachelor's or Master's degree in Finance, Commerce, Economics, Business Administration, or a qualified CA / CFA / MBA (Finance).
• Experience: 69 years of experience in credit underwriting/risk assessment for SME / MSME / Business Loans in a Bank or NBFC.
• Industry Knowledge: Deep understanding of SME sector dynamics, collateral valuation, legal documentation, and local market conditions.