Credit Underwriter: Working Capital/ Term Loan - CA/CMA

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME.

Key Responsibilities:

• Evaluate and underwrite loan applications post credit processing.
• Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness.
• Perform Financial Analysis: assess balance sheets, profitability, and net worth.
• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.
• Carry out Legal Checks: identify any existing complaints or legal red flags.
• Recommend loan decisions (Approve/Reject) as per credit policy.
• Collaborate with Sales and Operations Teams to support disbursements and business targets.
• Monitor portfolio performance and suggest policy updates based on risk insights