Credit Manager

Job Title: Credit Manager – CMA/CAM (Balance Sheet & P&L Analysis)
Department: Credit & Risk / Finance
Job Type: Full-Time
Industry: Banking / NBFC / Financial Services / Corporate Lending

Job Summary:

We are looking for a qualified and detail-oriented Credit Manager with a strong background in financial statement analysis, specifically someone who has worked in CMA (Credit Monitoring Arrangement) and CAM (Credit Appraisal Memo) teams. The ideal candidate will play a critical role in evaluating clients' financials—primarily Balance Sheets and Profit & Loss accounts—to assess creditworthiness and recommend lending decisions.

Key Responsibilities:

• Analyze and interpret Balance Sheet, Profit & Loss, and cash flow statements of prospective and existing clients.
• Prepare and review CMA data, financial projections, and CAM reports for credit underwriting.
• Assess business viability, financial health, and repayment capacity based on financial ratios and industry benchmarks.
• Draft detailed credit appraisal notes and recommend appropriate credit limits, terms, and structures.
• Ensure all proposals are in compliance with internal credit policy and regulatory guidelines (RBI/Bank norms).
• Liaise with internal teams (sales, legal, operations) for end-to-end credit evaluation and documentation.
• Regularly review borrower performance and update credit evaluations and exposure.
• Flag early warning signs by monitoring overdue accounts and deteriorating financial health.
• Maintain accurate and complete documentation of all credit assessments and approval processes.

Required Skills & Competencies:

• Expertise in CMA preparation, CAM documentation, and credit appraisal process.
• Strong command over financial statement analysis and working capital assessment.
• Proficiency in ratio analysis, forecasting, and Excel-based financial modeling.
• Good understanding of industry risk, market conditions, and regulatory compliance.
• Attention to detail with strong decision-making and analytical abilities.
• Effective communication and stakeholder management skills.

Qualifications:

• Graduate or Postgraduate in Finance, Commerce, or Accounting.
• Preferred: CA / CA Inter / MBA (Finance) / M.Com with strong accounting fundamentals.

Experience:

• 3 to 7 years of relevant experience in credit analysis, preferably within the CMA/CAM team of a Bank, NBFC, or Financial Institution.

Job Type: Full-time

Pay: ₹20,000.00 - ₹35,000.00 per month

Benefits:

• Provident Fund

Schedule:

• Fixed shift

Work Location: In person