Role & responsibilities

Credit Assessment & Analysis

- Analyze financial statements, cash flows, banking behavior, and credit history of Business Banking customers.
- Conduct detailed appraisal of working capital, term loan, and other credit facilities.
- Assess borrower repayment capacity and identify potential credit risks.
- Prepare comprehensive credit appraisal notes and recommendations for approval.

Risk Evaluation

- Evaluate industry, market, operational, and management risks associated with borrowers.
- Review collateral security, valuation reports, and legal documentation.
- Identify early warning signals and recommend appropriate risk mitigation measures.
- Ensure compliance with internal credit policies and regulatory guidelines.

Portfolio Management

- Monitor the performance of assigned credit portfolio.
- Track covenant compliance and submission of financial information by borrowers.




- Coordinate with Relationship Managers for periodic account reviews and renewals.
- Support portfolio quality through proactive risk monitoring and account reviews.

Stakeholder Coordination

- Work closely with Relationship Managers, Credit Managers, Legal, Operations, and Risk teams.
- Assist business teams in structuring lending solutions aligned with customer requirements and risk appetite.
- Provide credit-related support during customer meetings and discussions when required.

Documentation & Compliance

- Ensure completeness and accuracy of credit documentation.
- Maintain adherence to regulatory, audit, and internal compliance requirements.
- Support internal and external audits related to credit processes.

📌 Credit Manager - Chartered Accountant (CA) (Chandigarh)
🏢 IndusInd Bank
📍 Chandigarh