Job Description

Location: Mumbai - Goregaon

Qualification - CA/MBA (from Tier I institute)

Job Role:

- Experience in undertaking credit audit for Retail / Corporate Agriculture, Infrastructure Finance, Commercial Vehicle, Tractor / farm equipments, Gold Loan etc. business.

- Performing Credit Audits for lending business (working capital as well as term loan products) as per the Risk Based Audit Plan.

- Review of credit due diligence process, documentation, early warning signals and pre-post sanction conditions.

- Review adherence to internal processes as well as regulatory guidelines.

- Identify potential weaknesses in credit risk evaluation, credit monitoring and overall credit related processes, and recommend appropriate corrective actions.

- Conducting Independent financial analysis and identify miss outs, if any, in credit assessment notes.

- Ability to assess Process, Risk and Controls and drive improvements.

Responsible for:

- Preparation of Business Understanding Document and Audit Checklist ensuring adequate audit scope coverage.

- Assist in finalization of Sampling.

- Keep control of audit data and follow up with auditee for the same or generate the same from system to complete audit within stipulated timelines.

- Preparation of Audit Observations and Findings, independently handle Discussion/Closure of the same with auditee.

- Assist in preparation of audit reports with adequate documentation and post-report activities like closure of the audits in system and closure of actionable.

- Deliver on time high quality audit reports.

Job Requirements:

- CA/MBA qualified or prior experience in credit audit (working capital and term loan products) or credit underwriting.

- Knowledge about corporate credit analysis for working capital and term loan products, assessment and monitoring.

- Excellent understanding of banking business processes and internal controls related to lending area.

- Strong interpersonal skills with ability to work effectively in team environment.

- Effective report writing and presentation skills with good verbal and written communication skills.

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