Credit Analyst- Working Capital

Unity Small Finance Bank; Hyderabad; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Unity Small Finance Bank is seeking a credit professional in Hyderabad to perform comprehensive credit appraisal, field due diligence, and decisioning for MSME/SME/Corporate customers. You will structure limits, margins, and covenants, coordinate with RMs, and ensure timely processing and documentation before disbursement.

The role also includes portfolio monitoring, risk and compliance support, and coordination with collections to resolve stressed accounts, with an emphasis on maintaining

Responsibilities

• Credit appraisal & assessment of financial statements for MSME/SME/Corporate customers
• Due diligence including field visits, promoter/management assessment, and verification of reports
• Credit decisioning with CAM/Memo notes, sanction proposals, and structuring of limits and covenants
• Coordinate with RMs to structure deals while managing risk and ensuring quick turnaround
• Documentation checks and disbursement compliance including legal/valuation reports
• Portfolio monitoring for limit utilization, irregularities, and early warning signals
• Support risk & compliance by maintaining audit-ready files and assisting audits
• Coordinate with collections for overdue accounts and assist in resolution of stressed accounts

Job description

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

1. Credit Appraisal & Assessment

• Analyse financial statements (Balance Sheet, P&L, GST, bank statements) of MSME/SME/Corporate customers
• Assess working capital requirements using turnover method / cash flow / MPBF
• Evaluate working capital proposals for CC, OD, LC/BG, and short-term facilities
• Perform ratio analysis and identify strengths, risks, and deviations

2. Due Diligence

• Conduct field-level due diligence including:
• Business visits and stock verification
• Promoter and management assessment
• Check bureau reports, banking conduct, and repayment behaviour
• Validate end-use of funds and working capital cycle

3. Credit Decisioning

• Prepare appraisal notes (CAM/Credit Memo) with clear recommendations
• Sanction proposals within delegated authority OR recommend to higher authority
• Structure limits, margins, security, pricing, and covenants

4. Business Coordination

• Work closely with Relationship Managers (RMs)
• Provide inputs to structure deals without compromising risk
• Ensure quick TAT for proposal processing

5. Documentation & Disbursement

• Ensure all sanction terms and conditions are complied with
• Verify legal, technical, and valuation reports
• Ensure proper documentation before disbursement

6. Portfolio Monitoring

• Monitor existing accounts for:
• Limit utilization
• Irregularity / overdue tracking
• Stock and book debt statements
• Identify Early Warning Signals (EWS)
• Support renewal/annual review of limits

7. Risk & Compliance

• Ensure adherence to internal credit policies and RBI regulations
• Maintain audit-ready files and documentation
• Assist in internal / external audits

8. Collections & Stress Management

• Coordinate with collections team for overdue accounts
• Assist in resolution/regularization of stressed accounts
• Recommend restructuring or exit strategies where needed