Key Responsibilities: -

- Underwrite and manage renewals, credit modifications, line increases, extensions, waivers, and other customer credit requests for ABL and Factoring relationships.
- Manage the end-to-end underwriting process, coordinating with Relationship Managers and approval authorities to ensure timely completion.
- Perform comprehensive credit analysis, including financial statement review, cash flow analysis, collateral evaluation, covenant compliance testing, and assessment of borrower performance trends.
- Review and analyze field examinations, inventory appraisals (if required), intellectual property appraisals (if required), borrowing base certificates, and other due diligence materials to assess collateral quality and credit risk.
- Prepare clear, concise, and comprehensive credit memoranda supporting renewals and other approval requests.
- Assess the impact of requested credit modifications and determine materiality, risk implications, and required approvals.
- Review borrower risk ratings and identify emerging credit concerns, covenant breaches, or other indicators of credit deterioration.




- Prepare loan pricing analyses utilizing Precision Lender, Probability of Default (PD), and Loss Given Default (LGD) methodologies.
- Prepare IDB base case and sensitized projection analysis • Participate in internal approval discussions as needed to support underwriting recommendations. •

Key competencies

- Commercial underwriting experience with a strong emphasis on Asset-Based Lending and/or Factoring.
- Demonstrated experience underwriting revolving credit facilities and term loans secured by accounts receivable, inventory, intellectual property, and other collateral types.
- Robust financial analysis and credit underwriting skills, including cash flow analysis, covenant testing, collateral analysis, and risk assessment.
- Proven ability to independently manage credit requests from initial analysis through final approval.
- Solid understanding of loan structuring, pricing, profitability analysis, PD and LGD methodologies, and risk adjusted returns
- 5+ years of experience in the same domain
- Post graduation is mandatory

📌 Delivery Lead/Delivery Manager-Assest Based Lending (ABL) (Pune)
🏢 Acuity Analytics
📍 Pune