Credit Analyst - Working Capital

Job Description:

Key Responsibilities:

• Conduct end-to-end credit appraisal for Mid & Large-Corporate borrowers.
• Analyze financial statements, cash flow statements, CMA data, and financial ratios.
• Assess working capital requirements and recommend suitable credit limits.
• Prepare Credit Appraisal Memos (CAM) for approval.
• Evaluate fund-based facilities including Cash Credit (CC), Overdraft (OD), and Working Capital Demand Loans (WCDL).
• Assess non-fund-based facilities such as Letters of Credit (LC) and Bank Guarantees (BG).
• Perform borrower due diligence, KYC verification, and document scrutiny.
• Evaluate collateral/security, repayment capacity, and overall creditworthiness.
• Coordinate with Relationship Managers, Legal, Risk, Operations, and Credit Administration teams for timely sanction and disbursement.
• Ensure adherence to RBI guidelines, internal credit policies, and regulatory requirements.
• Monitor existing credit exposures, conduct annual reviews, and identify early warning signals.
• Prepare portfolio MIS reports and support management with credit-related analysis.
• Recommend risk mitigation measures and strengthen portfolio quality.