Credit Analyst - Mid & Large Corporate Segment

Acura Solutions; Mumbai; Presencial; INR 1.200.000 - 1.800.000; Jornada completa

Descripción de la vacante

Acura Solutions in Mumbai is seeking an experienced Credit Underwriter to assess Mid-Market to Large Corporate clients, analyze financials, and prepare credit appraisals. You will review working capital facilities, cash flows, and collateral while ensuring RBI compliance and timely disbursement.

The role requires end-to-end underwriting and portfolio monitoring experience from banking or NBFCs. Candidates with exposure to mid-market and large corporate clients, strong financial analysis skills,

Formación

• Experience in Credit Underwriting / Credit Analysis / Credit Risk within Banking or Financial Services.
• Experience in Mid-Market, Large Corporate, Commercial Banking, Corporate Banking or Wholesale Banking is preferred.
• Strong understanding of financial analysis, credit appraisal, working capital assessment and cash-flow analysis.
• Exposure to clients with turnover thresholds (e.g., Mid Corporate 50 Cr+, Large Corporate 500 Cr+) would be relevant.
• Candidates from banks/NBFCs with end-to-end credit underwriting and portfolio management experience are suitable.

Responsabilidades

• Responsible for credit underwriting and appraisal of Mid-Market / Large Corporate / Corporate Banking clients.
• Analyze financial statements, balance sheets, P&L, cash flows, ratios and overall financial health of borrowers.
• Evaluate creditworthiness, repayment capacity, business model, industry outlook and management quality.
• Prepare detailed credit appraisal notes, sanction proposals and credit recommendations for new and existing customers.
• Assess various credit facilities including Working Capital, Term Loans, LC/BG, Overdraft, Cash Credit and other structured facilities.
• Review customer banking conduct, existing liabilities, repayment track record and credit bureau reports.
• Identify key credit risks and recommend appropriate mitigants, covenants, collateral and security structures.
• Monitor the existing credit portfolio, including financial performance, account conduct, covenant compliance and early-warning signals.
• Work closely with Relationship Managers, Risk, Legal, Operations and Business teams to ensure smooth credit processing and disbursement.
• Ensure all proposals are aligned with the bank's credit policies, risk appetite and RBI/regulatory requirements.
• Conduct periodic reviews and renewals of existing limits and recommend suitable changes based on business and credit performance.

Conocimientos

Credit underwriting

Financial statement analysis

Cash flow analysis

Risk assessment

Portfolio management

Descripción del empleo

Job Responsibilities:

• Responsible for credit underwriting and appraisal of Mid-Market / Large Corporate / Corporate Banking clients.
• Analyze financial statements, balance sheets, P&L, cash flows, ratios and overall financial health of borrowers.
• Evaluate creditworthiness, repayment capacity, business model, industry outlook and management quality.
• Prepare detailed credit appraisal notes, sanction proposals and credit recommendations for new and existing customers.
• Assess various credit facilities including Working Capital, Term Loans, LC/BG, Overdraft, Cash Credit and other structured facilities.
• Review customer banking conduct, existing liabilities, repayment track record and credit bureau reports.
• Identify key credit risks and recommend appropriate mitigants, covenants, collateral and security structures.
• Monitor the existing credit portfolio, including financial performance, account conduct, covenant compliance and early-warning signals.
• Work closely with Relationship Managers, Risk, Legal, Operations and Business teams to ensure smooth credit processing and disbursement.
• Ensure all proposals are aligned with the bank's credit policies, risk appetite and RBI/regulatory requirements.
• Conduct periodic reviews and renewals of existing limits and recommend suitable changes based on business and credit performance.

Candidate Profile:

• Experience in Credit Underwriting / Credit Analysis / Credit Risk within Banking or Financial Services.
• Experience in Mid-Market, Large Corporate, Commercial Banking, Corporate Banking or Wholesale Banking is preferred.
• Strong understanding of financial analysis, credit appraisal, working capital assessment and cash-flow analysis.
• Exposure to clients with 50 Cr+ turnover (for Mid Corporate) and 500 Cr+ turnover (for Large Corporate) would be relevant.
• Candidates from banks/NBFCs with experience in end-to-end credit underwriting and portfolio management would be suitable.