- Analyze financial statements, balance sheets, P&L;, and cash-flow statements.
- Assess customer/vendor creditworthiness and repayment capacity.
- Evaluate working capital requirements, including receivables, inventory, payables, and cash conversion cycle.
- Conduct credit risk analysis and recommend appropriate credit limits and terms.
- Monitor outstanding receivables, overdue payments, and utilization of working capital limits.
- Prepare MIS, credit appraisal reports, and portfolio performance reports.
- Identify financial and operational risks and recommend mitigation measures.
- Coordinate with Sales, Finance, Treasury, Operations, and Collections teams.
- Track covenant compliance, bank limits, and working capital facilities.
- Support periodic reviews of existing customers and recent credit proposals.