Role Overview:
We are seeking an experienced Wholesale & SME Credit Auditor to conduct independent audits of wholesale and SME credit portfolios. The role will focus on assessing credit appraisal quality, loan documentation, post-sanction monitoring, regulatory compliance, and adherence to internal credit policies.
Key Responsibilities:
- Audit credit appraisal processes for wholesale and SME borrowers.
- Review MPBF assessments, fund-based and non-fund-based credit facilities.
- Evaluate credit limits, sanction terms, and compliance with approved conditions.
- Review loan and mortgage documentation and execution.
- Conduct post-sanction/post-disbursement monitoring of credit accounts.
- Assess compliance with RBI guidelines, internal credit policies, and credit covenants.
- Review financial analysis and credit assessment of borrowers.
- Identify credit risks, control gaps, and process deviations.
- Recommend corrective actions to strengthen credit controls and processes.
- Prepare audit findings and reports for management review.
Key Skills/Experience:
- Minimum 5 years of relevant experience in credit audit, credit risk, credit appraisal, or related banking functions.
- Experience in credit audit / credit risk / credit appraisal.
- Strong understanding of Wholesale & SME lending.
- Knowledge of MPBF, fund-based and non-fund-based facilities.
- Good understanding of loan documentation and post-sanction monitoring.
- Knowledge of RBI guidelines and credit policies.
- Strong financial analysis and credit assessment skills.
- Experience identifying control gaps and credit risks.
Pay: ₹300,000.00 - ₹480,000.00 per year
Work Location: In person
