Commercial Audit - Mumbai - Goregaon

Job Description:

Job Role
Experience in undertaking credit audit for Retail / Corporate Agriculture, Infrastructure
Finance, Commercial Vehicle, Tractor / farm equipments, Gold Loan etc. business.
 Performing Credit Audits for lending business (working capital as well as term loan
products) as per the Risk Based Audit Plan.
 Review of credit due diligence process, documentation, early warning signals and pre-
post sanction conditions.
 Review adherence to internal processes as well as regulatory guidelines.
 Identify potential weaknesses in credit risk evaluation, credit monitoring and overall credit
related processes, and recommend appropriate corrective actions.
 Conducting Independent financial analysis and identify miss outs, if any, in credit
assessment notes.
 Ability to assess Process, Risk and Controls and drive improvements.
Responsible for:
 Preparation of Business Understanding Document and Audit Checklist ensuring
adequate audit scope coverage.
 Assist in finalization of Sampling.
 Keep control of audit data and follow up with auditee for the same or generate the same
from system to complete audit within stipulated timelines.
 Preparation of Audit Observations and Findings, independently handle
Discussion/Closure of the same with auditee.
 Assist in preparation of audit reports with adequate documentation and post-report
activities like closure of the audits in system and closure of actionable.
 Deliver on time high quality audit reports.

Job Requirements
 CA/MBA qualified or prior experience in credit audit (working capital and term loan
products) or credit underwriting.
 Knowledge about corporate credit analysis for working capital and term loan products,
assessment and monitoring.
 Excellent understanding of banking business processes and internal controls related to
lending area.
 Strong interpersonal skills with ability to work effectively in team environment.
 Effective report writing and presentation skills with good verbal and written
communication skills.