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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 (India)
🏢 Acura Solution
📍 India