Join our Regulatory & Financial Risk team in Bengaluru as a Credit Underwriter. This role offers an exciting opportunity to work within Deloitte's Strategy, Risk & Transaction services, helping clients navigate complex risks and uncover new avenues for value creation. You'll contribute to a team that provides end-to-end risk management solutions.

In this position, you will conduct thorough credit assessments for corporate clients, focusing on financial analysis, business evaluation, and market benchmarking. Your expertise will be crucial in preparing comprehensive underwriting documentation and ensuring compliance with internal risk guidelines. This role is ideal for an experienced professional looking to leverage their credit analysis skills in a dynamic environment.

Perform in-depth credit assessments for corporate clients, including detailed financial analysis and business evaluations. Synthesize borrower financials, sector data, and internal risk guidelines to prepare underwriting papers, credit notes, and renewal proposals. Provide crucial support to the business by conducting financial spreading, verifying data, and reviewing documentation. Collaborate with Legal and Operations teams to ensure all facility and security documentation aligns with approved terms. Proactively monitor portfolio performance through covenant tracking and exposure reviews, escalating any deviations promptly. Maintain effective communication across business, risk, and support teams to facilitate seamless credit execution.

A minimum of 2 to 6 years of experience in corporate credit analysis is essential for this role. Demonstrated expertise in advanced financial analysis, including credit ratios, cash-flow evaluation, and lending structures. Proficiency in financial modeling, advanced Excel skills, and data validation techniques is required. Solid understanding of credit policy interpretation, documentation governance, and internal controls. While a postgraduate degree or professional qualification like CA, CFA, or FRM is preferred, a strong foundation in credit analysis, corporate finance, and banking products is critical. Familiarity with credit controls, documentation standards, governance, and audit-focused processes is expected.