Job Description:

Key Responsibilities:

- Conduct end-to-end credit appraisal for Mid & Large-Corporate borrowers.
- Analyze financial statements, cash flow statements, CMA data, and financial ratios.
- Assess working capital requirements and recommend suitable credit limits.
- Prepare Credit Appraisal Memos (CAM) for approval.
- Evaluate fund-based facilities including Cash Credit (CC), Overdraft (OD), and Working Capital Demand Loans (WCDL).
- Assess non-fund-based facilities such as Letters of Credit (LC) and Bank Guarantees (BG).
- Perform borrower due diligence, KYC verification, and document scrutiny.
- Evaluate collateral/security, repayment capacity, and overall creditworthiness.
- Coordinate with Relationship Managers, Legal, Risk, Operations, and Credit Administration teams for timely sanction and disbursement.
- Ensure adherence to RBI guidelines, internal credit policies, and regulatory requirements.
- Monitor existing credit exposures, conduct annual reviews, and identify early warning signals.
- Prepare portfolio MIS reports and support management with credit-related analysis.
- Recommend risk mitigation measures and strengthen portfolio quality.

📌 Credit Analyst - Working Capital (Mumbai)
🏢 Acura Solution
📍 Mumbai