Credit Risk - SME & Transaction Banking

About the Role A credit professional with expertise in supply chain finance and working capital lending, seeking to drive sound credit decisions through in-depth financial analysis, risk assessment, and proactive portfolio monitoring while maintaining high credit quality and regulatory compliance. Responsibilities Credit appraisals – Anchor proposals, Spoke proposals which will include Vendor Finance, Inventory Finance, Sales Bills discounting, Purchase bill discounting, Pre-shipment, TREDS, WC loans etc. Conduct historical financial analysis along with futuristic projections scenarios, Industry and Market trends, transaction analysis (i.e. structure issues, collateral, etc.), cash flow analysis/financial modelling, rating sheets that identify major trends, issues, identifying key risks, strengths and weaknesses of the client/transaction. Provide complete assessment and recommendations to sanctioning authority. Analysis of Financial statements (Profit & Loss Account, Balance sheet, Cas...