Executive / Senior Executive – Audit, Credit Monitoring & Financial Services

Job Description:

Key Responsibilities

1. Agency for Specialized Monitoring (ASM)

• Monitor end-use of funds and fund flows in borrowers and group companies bank accounts.

• Review bank statements, books of accounts, invoices, agreements and utilization certificates.

• Identify fund diversion, siphoning, related-party transactions and deviations from bank sanction terms.

• Prepare periodic ASM reports as per SBI and Union Bank of India formats.

• Conduct factory, warehouse and branch visits across India as required.

2. Bank Stock Audits & BG Audits

• Conduct physical verification of stock, book debts, creditors and drawing power.

• Perform bank guarantee (BG) audits as per bank-specific requirements.

• Prepare audit reports and follow up on compliance.

• Travel to client locations for audits and verification.

3. Credit & Financial Advisory

• Prepare project reports and feasibility studies for term loans and working capital requirements.

• Prepare CMA data, projected financial statements, ratio analysis, DSCR and fund-flow statements.

• Assist in preparing financial proposals and loan application documents.

• Coordinate with borrowers and banks regarding financial proposals.

4. MIS Reporting

• Prepare MIS reports covering sales, purchases, inventory, receivables, payables, cash flow and profitability.

• Develop Excel-based dashboards and trackers.

• Coordinate with client accounts teams for data collection and reporting.

5. General Responsibilities

• Maintain audit working papers, checklists, trackers and assignment timelines.

• Coordinate with corporate finance teams and bank officials.

• Support partners and team leaders in reviews, queries and timely report submission.

Qualifications & Experience

Senior Executive

• Qualification: CA Inter / B.Com / M.Com / MBA (Finance).

• Experience: 2-5 years in audit, accounts, credit monitoring or financial reporting.

• Knowledge of Ind AS, bank sanction terms, working capital, term loans and fund-flow analysis.

• Proficiency in MS Excel, Word and PowerPoint.

• Familiarity with Tally, SAP or other ERP systems.

• Good English communication and report-writing skills.

Executive

• Qualification: B.Com / M.Com or equivalent.

• Strong MS Excel skills, including Pivot Tables, Lookups and dashboards.

• Good analytical and reporting skills.

• Good English communication is desirable.

Key Skills

• Audit and financial analysis

• Credit monitoring and fund-flow analysis

• Stock audits and BG audits

• CMA data and project report preparation

• MIS reporting and advanced Excel

• Communication and stakeholder management

• Willingness to travel across India

• Integrity, confidentiality and attention to detail