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.
