Role & responsibilities
Conduct audits of Wholesale Lending (WSL) / Corporate & Institutional Credit portfolios.
Review credit appraisal, sanction terms, documentation, disbursement and post-disbursement monitoring.
Verify compliance with Credit Policy, Delegation of Authority, internal SOPs and applicable regulatory guidelines.
Review financial analysis, account conduct, end-use of funds, security creation, covenants and credit monitoring.
Identify policy deviations, documentation gaps, credit risks and control weaknesses and highlight key audit observations.
Review EWS, SMA/NPA classification, stressed accounts and portfolio monitoring controls.
Prepare audit observations/reports and coordinate with Credit, Business, Risk and Operations teams for closure of findings.
Support Risk-Based Internal Audit (RBIA), thematic reviews and regulatory/internal audit requirements.

Preferred candidate profile
Relevant experience in Wholesale/Corporate Credit Audit, Credit Underwriting, Credit Risk or Internal Audit in Banks/NBFCs.
Positive understanding of Corporate/Wholesale Lending, Working Capital, Term Loans and Credit Appraisal.
Robust analytical, financial statement analysis and report-writing skills.

📌 Auditor Wholesale Lending Varanasi
🏢 Utkarsh Small Finance Bank
📍 Varanasi