Credit Processing Associate | Fresher

**Key Responsibilities** **1. Login & Application Processing** - Log incoming commercial loan, lease, and equipment finance applications into the Loan Origination System (LOS) / CRM. - Perform preliminary scrutiny of customer application files to ensure all mandatory KYC documents, bank statements, and tax filings are present. **2. Basic Credit Checks & Verification** - Generate and archive business and personal credit bureau reports using CIBIL, Commercial CIBIL, Experian, or High Mark. - Initiate background and verification processes, including Know Your Customer (KYC), Anti-Money Laundering (AML) checks, and MCA/ROC registry verifications. **3. Financial Spreading & Data Analysis** - Perform basic banking analysis (reviewing 612 months of bank account statements for average monthly balances, outward bounces, and circular transactions). **4. Documentation & Compliance Support** - Assist in drafting basic Credit Approval Memos (CAM) and sanction notes highlighting borrower profile, loan amount, equipment type, and repayment capacity. **Qualification** - Education: Bachelor’s degree in Commerce (B.Com), Finance (BFM/BAF), Economics, Business Administration (BBA), or an MBA in Finance (Fresher). - Experience: 0–1 year (Freshers are welcome; past internships in banking, accounting, or CA firms are a strong advantage).