Job description
Evaluate SME loan applications, business plans, and funding requirements to assess borrower eligibility and creditworthiness.
Analyze financial statements, including balance sheets, income statements, and cash flow statements, to assess liquidity, leverage, repayment capacity, and debt-servicing ability.
Conduct comprehensive credit and risk assessment by evaluating industry dynamics, market trends, business risks, and potential default triggers.
Prepare detailed Credit Appraisal Memorandums (CAMs), credit assessment reports, and risk-rating recommendations for review and approval by the Credit Committee.
Monitor the performance of existing loan portfolios, track borrower financials and repayment behavior, and ensure adherence to approved terms, conditions, and loan covenants.
Location: Mumbai (Vikhroli)
