Analyze financial statements (balance sheets, income statements, cash flow statements) to assess creditworthiness.

Evaluate credit risk using financial modeling and ratio analysis for loan applications.

Prepare detailed credit risk assessment reports and present findings to credit committees.

Monitor loan portfolios and identify potential credit risks or deteriorating credit quality.

Conduct industry research and analysis to understand market trends and their impact on borrowers.

Assess collateral values and ensure adequate security for loans and credit facilities.

Review loan documentation for accuracy and compliance with regulatory requirements.

Communicate with clients to gather financial information and address credit-related inquiries.

Stay updated on changes in credit regulations and lending practices in the Indian market.

Assist in the development and implementation of credit policies and procedures.

Participate in credit review meetings and provide recommendations on credit decisions.

Maintain accurate credit files and documentation in compliance with internal policies.

Analyzing balance sheets, income statements, and cash flow statements to assess creditworthiness.

Evaluating the risk of default by potential borrowers using financial models and data analysis.

Designing loan terms, including interest rates, repayment schedules, and collateral requirements.

Developing and applying credit scoring models to quantify borrower risk.

Researching and analyzing industry trends to understand their impact on borrower's financial health.

Creating financial models to project future performance and assess the impact of different scenarios.

Assessing the value of assets pledged as collateral for loans.

Ensuring compliance with banking regulations and credit policies.

Preparing and reviewing loan documentation to ensure accuracy and completeness.

Monitoring the performance of loan portfolios and identifying potential risks.

Communicating with clients to gather financial information and address credit-related inquiries.

Developing strategies to mitigate credit risk, such as obtaining guarantees or insurance.

Analyze financial statements to assess creditworthiness of loan applicants.

Evaluate credit risk using financial models and industry data.

Prepare detailed credit reports and present findings to loan committees.

Monitor loan portfolios for potential risks and compliance issues.

Communicate with clients to gather financial information and address concerns.

Stay updated on economic trends and regulatory changes affecting credit markets.

Develop and maintain credit scoring models to improve risk assessment.

Conduct industry research to identify potential investment opportunities.

Negotiate loan terms and conditions with borrowers.

Review legal documentation to ensure compliance with lending regulations.

Collaborate with other departments, such as sales and operations, to support business objectives.

Provide recommendations for improving credit policies and procedures.