Job Description
- Assess and analyze working capital finance proposals for SME/MSME clients.
- Conduct detailed financial analysis including balance sheet, profit & loss, cash flow, and ratios.
- Perform risk assessment and mitigation analysis across industries and client profiles.
- Prepare and present credit appraisal memos (CAM) for sanctioning authorities.
- Conduct background checks and site visits as part of due diligence.
- Coordinate with legal, technical, and valuation teams for report assessments.
- Ensure KYC, AML, and compliance checks are completed.
- Ensure adherence to credit policies and approval matrix.
- Assist in periodic review and update of credit policies related to working capital.
- Review and verify legal and security documents before disbursement.
Key Skills & Competencies:
- Strong analytical and financial skills
- Good understanding of working capital products (CC/OD, Bill Discounting, etc.)
- Knowledge of credit underwriting standards and regulatory guidelines
- Effective communication and interpersonal skills, able to work in TAT.
Qualifications:
- Graduate/Postgraduate in Finance/Commerce/MBA (Finance).
- 2–5 years of experience in credit underwriting, preferably in SME/MSME segment
- Prefer candidate, NBFC or cooperate DSA’s experience is consider only.
- Candidate should have stable profile.