KEY DUTIES & RESPONSIBILITIES OF THE ROLE

1. Credit Appraisal & Assessment

- Analyse financial statements (Balance Sheet, P&L;, GST, bank statements) of MSME/SME/Corporate customers
- Assess working capital requirements using turnover method / cash flow / MPBF
- Evaluate working capital proposals for CC, OD, LC/BG, and short-term facilities
- Perform ratio analysis and identify strengths, risks, and deviations

2. Due Diligence

- Conduct field-level due diligence including:
- Business visits and stock verification
- Promoter and management assessment
- Check bureau reports, banking conduct, and repayment behaviour
- Validate end-use of funds and working capital cycle

3. Credit Decisioning

- Prepare appraisal notes (CAM/Credit Memo) with transparent recommendations
- Sanction proposals within delegated authority OR recommend to higher authority
- Structure limits, margins, security, pricing, and covenants

4. Business Coordination

- Work closely with Relationship Managers (RMs)
- Provide inputs to structure deals without compromising risk




- Ensure quick TAT for proposal processing

5. Documentation & Disbursement

- Ensure all sanction terms and conditions are complied with
- Verify legal, technical, and valuation reports
- Ensure proper documentation before disbursement

6. Portfolio Monitoring

- Monitor existing accounts for:
- Limit utilization
- Irregularity / overdue tracking
- Stock and book debt statements
- Identify Early Warning Signals (EWS)
- Support renewal/annual review of limits

7. Risk & Compliance

- Ensure adherence to internal credit policies and RBI regulations
- Maintain audit-ready files and documentation
- Assist in internal / external audits

8. Collections & Stress Management

- Coordinate with collections team for overdue accounts
- Assist in resolution/regularization of stressed accounts
- Recommend restructuring or exit strategies where needed

📌 Credit Analyst- Working Capital (Hyderabad)
🏢 Unity Small Finance Bank
📍 Hyderabad