Independently analyzing and evaluating the risk of proposed exposure to Bank's loan portfolio • Independently analyses and evaluate the risk of adding a particular transaction to the bank's loan portfolio. • Identify additional information requirements needed to properly assess risks of the transaction • Understand and assess the customer's business model and its viability in the long run • Review and analyse the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business • Considers alternative credit structures to mitigate risk where appropriate • Recommend action to be taken on credit, identifies key risks and information requirements • Ensure that credit facilities presented are properly graded • Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements • Work independently with limited supervision. Serves as a resource for less experienced Credit Officers. • Personally develop and maintain strong working relationships with Stakeholders • Lead/ independently handle the business-critical projects. • Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same • Develop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholders • Assume ownership of the allocated work. • Having good understanding of underwriting big-ticket cases in Mid Corporate & NBFC segments. • Should have underwritten deals with minimum exposure of 200 crs. • Knowledge and understanding towards structured deals, acquisition finance, project finance. • Ability of comprehend and fine tune financial models in case of project finance deals Qualifications: CA/ MBA Finance Experience: 5 to 7 years