Job Description:

Key Responsibilities

- Conduct end-to-end credit appraisal for Mid and Large Corporate borrowers.

- Analyze audited financial statements, cash flows, CMA data, banking conduct, and business performance.

- Assess working capital requirements and recommend suitable credit structures.

- Evaluate fund-based and non-fund-based credit facilities.

- Prepare detailed Credit Appraisal Memos (CAM) and present recommendations to the sanctioning authority.

- Perform financial ratio analysis, industry analysis, and borrower risk assessment.

- Evaluate repayment capacity, debt servicing ability, and overall creditworthiness.

- Assess and validate collateral/security offered for secured lending proposals.

- Review legal, valuation, technical, and due diligence reports.

- Coordinate with Relationship Managers, Legal, Risk, Operations, and Credit Administration teams for timely sanction and disbursement.

- Ensure compliance with RBI guidelines, internal credit policies, and regulatory requirements.





- Monitor existing credit exposures through annual reviews, renewals, covenant monitoring, and early warning signal identification.

- Support portfolio quality by identifying credit risks and recommending suitable mitigation measures.

Products Handled

Fund-Based Facilities

- Cash Credit (CC)

- Overdraft (OD)

- Working Capital Demand Loan (WCDL)

- Term Loans

- Export Packing Credit (PCFC)

- Bill Discounting

Non-Fund-Based Facilities

- Letter of Credit (LC)

- Bank Guarantee (BG)

- Standby Letter of Credit (SBLC)

Eligibility Criteria

Education

- CA (Chartered Accountant) or

- MBA (Finance) / PGDM (Finance)

Experience

- Minimum 3 - 4 years of experience in Corporate Credit.

- Experience in Mid and Large Corporate Banking is mandatory.

- Solid experience in Working Capital Finance and Secured Lending.

- Experience in Banks or NBFCs is preferred.

📌 Federal Bank/ Credit Manager/ Delhi
🏢 Acura Solution
📍 Delhi