Join our team as an Assistant Manager in Credit Underwriting, focusing on Regulatory & Financial Risk. This role involves building strong client relationships and exceeding expectations.

We are looking for a skilled Credit Underwriter/Analyst to assess and approve credit applications across various lending portfolios. You'll conduct in-depth financial analysis, evaluate borrower creditworthiness, assess collateral, and ensure compliance with credit policies and regulations. Collaboration with business, credit risk, and operations teams is key to driving sound portfolio growth.

Key responsibilities include conducting detailed financial statement analysis, preparing financial spreads, and performing comprehensive credit risk assessments. You will draft credit appraisal notes, support internal risk rating processes, and monitor existing portfolio accounts.

Further duties involve collaborating with relationship managers and risk stakeholders, conducting industry research, ensuring adherence to policies and regulatory frameworks, and contributing to process improvement initiatives for credit workflows.

Candidates should possess 3–5 years of experience in credit underwriting, with a strong grasp of financial statement analysis, ratio analysis, and credit risk fundamentals. Experience in preparing financial spreads and credit appraisal notes is essential.

Proficiency in MS Excel and familiarity with credit management systems are required. Excellent analytical, problem-solving, and communication skills are necessary. Experience in portfolio monitoring and identifying early warning signals is preferred.