Credit Underwriter: Working Capital/ Term Loan - CA/CMA

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. **Key Responsibilities:** - Evaluate and underwrite loan applications post credit processing. - Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. - Perform Financial Analysis: assess balance sheets, profitability, and net worth. - Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. - Carry out Legal Checks: identify any existing complaints or legal red flags. - Recommend loan decisions (Approve/Reject) as per credit policy. - Collaborate with Sales and Operations Teams to support disbursements and business targets. - Monitor portfolio performance and suggest policy updates based on risk insights