Job Description:
Evaluate fresh, renewal, enhancement, takeover and review proposals across MSME, SME and commercial loans.
Analyse financial statements, balance sheets, P&L;, cash flows, GST/ITR, banking transactions, CMA data, financial ratios and projections to assess creditworthiness and repayment capacity.
Review CIBIL, Experian and CRILC reports and identify potential credit risks.
Conduct borrower visits and client discussions to understand business operations and loan requirements.
Assess business viability, leverage, liquidity, profitability, debt servicing capacity and repayment track record.
Identify credit risks and recommend suitable mitigants and independent credit decisions.
Evaluate collateral security, property valuation, legal/title reports, mortgage documentation and CERSAI compliance.
Ensure adherence to bank credit policies, KYC/AML norms,



regulatory guidelines and sanction conditions.
Coordinate with business, legal and operations teams to resolve credit queries and complete appraisal and sanction documentation.
Monitor renewals, overdue accounts, SMA, covenants and Early Warning Signals (EWS).
Process proposals through LOS/BPM systems within defined TAT and maintain accurate MIS.

Preferred Experience & Skills:
Experience in Business Loans, MSME/SME Credit Appraisal or Commercial Lending.
Robust financial analysis, credit underwriting and risk assessment skills.
Experience in handling business loan ticket sizes of 10 Cr20 Cr is preferred.
Candidates from Banks/NBFCs with relevant credit appraisal experience are preferred.

📌 Credit Analyst Hyderabad
🏢 Path Finder Hr Solutions
📍 Hyderabad