Senior Credit Specialist

14 hours ago


Pune, Maharashtra, India beBeeCredit Full time ₹ 8,00,000 - ₹ 15,00,000

Job Summary:

We are seeking a diligent Credit Analyst to join our team. The successful candidate will be responsible for efficient credit underwriting of proposals from non-banking financial companies (NBFCs) and finance institutions (FIGs). This includes maintaining a quality portfolio by diligently processing all credit proposals and post-disbursement credit control.

The role requires ensuring timely credit appraisals as per bank policy, with close coordination with other departments.

Key Responsibilities

  • Conducting thorough CIBIL checks and internal deduplication as per process.
  • Analyzing proposals received from the business/sales team and raising/resolving queries as appropriate.
  • Preparing senior management meetings and branch visits to ensure effective credit appraisal.
  • Preparing credit appraisal memos for term loans to NBFCs/FIGs, covering key aspects of management, financial, operational, portfolio reviews, and PAR analysis.
  • Recommending loan amounts and presenting loan proposals to the credit committee.
  • Preparing draft sanction letters covering all key conditions stipulated.
  • Monitoring loan utilization and conducting periodic monitoring visits.
  • Following up with delinquent clients, including assessing ongoing early warning signals.
  • Performing any other work assigned from time to time.


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