Credit and Risk Analyst

Conduct hindsight file reviews for all financially approved cases as per allocated files. Ensure completion of file reviews within defined Turnaround Time (TAT). Review loan applications including KYC documentation Product fitment Business and vintage proofs Income proofs Legal reports and property valuation documents Perform Credit Appraisal (CAM) to assess borrower creditworthiness. Analyze cash flows to derive customer income and assess CIBIL obligations and derogatory records. Determine loan eligibility based on income, obligations, and applicable policy norms. Assess Loan-to-Value (LTV) and Debt Service Ratio (DSR) as per policy guidelines. Check compliance with Deviation Matrix and internal credit policies. Conduct sample-based document verification for pre-disbursement files. Identify and highlight serious process and policy violations, including: Credit Manager/PD lapses Customer business verification Collateral checks TRC and neighbor verification gaps Evaluate business ownership, Years in Business (YIB), and collateral condition. Escalate review observations to the Line Manager for resolution or deviation approvals. Ensure timely closure of open observations and follow up on pending queries. Review the hindsight template quarterly and recommend improvements. Ensure adherence to company policies, credit processes, and compliance standards. Maintain effective communication through clear documentation and professional email communication.