Credit Underwriting - (Institutional Lending)

About the Company

Incorporated more than 15 years ago, the company is a non-banking financial company (NBFC) registered with the Reserve Bank of India (RBI). With an assets under management (AUM) of approximately Rs 4,000 crores, the NBFC operates over 170 branches across more than 10 states and employs around 2,000 people. It primarily serves the MSME sector by offering business loans, as well as vehicle loans .

Key Responsibilities

• Credit appraisal and underwriting of institutional lending proposals, including NBFCs, MFIs, and other financial institutions
• Detailed analysis of financial statements, cash flows, business models, and risk parameters of institutional borrowers
• Assessment of credit risk, counterparty risk, sector risk, and regulatory risks
• Preparation of credit appraisal notes / sanction memos with clear risk mitigants and recommendations
• Evaluation of loan structures, security cover, covenants, and pricing in line with internal credit policy
• Review and monitoring of portfolio performance, exposure limits, and early warning signals
• Ongoing credit monitoring of existing borrowers including renewal, enhancement, and restructuring proposals
• Ensuring compliance with internal credit policies, RBI regulations, and approval authority matrix
• Coordination with business, legal, compliance, risk, and operations teams for deal closure and post-sanction monitoring
• Interaction with external stakeholders such as auditors, rating agencies, and consultants as required
• Support senior management and credit committee with portfolio insights and risk reports

Key Skills & Competencies

• Strong experience in NBFC & MFI lending / institutional credit underwriting
• Excellent understanding of RBI regulations, NBFC & MFI operating models
• Strong financial analysis, balance sheet reading, and cash flow assessment skills
• Ability to independently handle large-ticket institutional proposals
• Strong documentation, presentation, and stakeholder management skills
• Risk-focused mindset with commercial understanding

Preferred Background

• Prior experience in NBFCs, Banks, MFIs, or Wholesale/Institutional lending teams
• Exposure to structured lending / wholesale credit / FI lending will be an added advantage