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 transparent, 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.

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.
- Strong 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.
- Strong organizational skills with the ability to manage multiple renewals, amendments, and customer requests in a fast-paced environment.
- Proficient in Microsoft Office applications and familiarity with Salesforce and credit workflow systems.
- Strong credit judgment and risk management discipline, with the ability to identify and escalate emerging issues proactively

📌 Delivery Lead-Asset Based Lending (Pune)
🏢 Acuity Knowledge Partners
📍 Pune