Credit Analyst SME

Job Title: Credit Analyst SME

Department: SME Credit

Location: Mumbai

Reporting To: Credit Manager

About the Role

We are looking to hire a Credit Analyst for the SME Credit team. The role involves evaluating creditworthiness, preparing detailed credit appraisal notes, and supporting risk assessment and portfolio monitoring for SME clients.

Key Responsibilities

Prepare Credit Appraisal Notes (CRANs) for SME clients

Coordinate with business teams to finalize terms and conditions from a risk perspective

Interact with clients to gather required financial and operational information

Monitor accounts in line with sanction terms and highlight deviations

Prepare monthly and quarterly portfolio monitoring reports

Identify and escalate non-compliances along with recommended action plans

Conduct site visits to client units and submit detailed inspection reports

Manage and address escalations related to credit and risk assessments

Candidate Profile

26 years of experience in Credit Underwriting (SME or Large Corporate segment)

CA or MBA (Finance) preferred

Strong analytical and credit assessment skills

Good verbal and written communication skills

Ability to coordinate with internal teams and external stakeholders .