- Conduct detailed credit assessment and underwriting of secured lending proposals.
- Analyze financial statements, balance sheets, cash flows, banking conduct, and business performance.
- Evaluate borrower creditworthiness, repayment capacity, collateral adequacy, and business risks.
- Appraise proposals related to
- Working Capital (WC)
- Small Business Banking (SBB)
- High-Ticket Loan Against Property (LAP)
- Prepare comprehensive credit notes and recommend proposals within policy guidelines.
- Ensure adherence to regulatory requirements and internal credit policies.
- Interact with business teams, customers, legal, technical, and operations teams for credit evaluation and closure.
- Monitor portfolio quality and identify early warning signals.
- Assist in maintaining healthy asset quality and minimizing credit losses.
- Ensure timely decision-making and turnaround of credit proposals.
Preferred candidate profile
- CA/CMA/MBA qualified
- Must have 3-4 years of work experience specifically in the Kolkata market.
- Solid local market knowledge and relationship network preferred.