Credit Underwriter / Credit Underwriting Analyst

About the job

Key Responsibilities: • Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, with emphasis on corporate clients. • Prepare underwriting papers, credit notes, renewal proposals, and new-money requests by synthesizing borrower financials, sector data, and internal risk guidelines. • Contribute analytical insights during deal discussions and credit committee/approval forums. • Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries. • Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms. • Monitor portfolio performance through covenant tracking, exposure review, early-warning indicators, and adherence to approval conditions; escalate deviations when required. • Conduct sector and counterparty research, including climate-risk and sustainability-related assessments. • Tenured professionals to lead the credit underwriting team by allocating work, reviewing outputs, coaching analysts, and enhancing overall credit-writing capability. • Provide guidance on deal structuring and collaborate with RMs, Risk, Legal, and Operations to finalise covenants, terms, and execution requirements. • Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.

Requirements

• Financial Analysis
• Credit Ratios
• Cash-Flow Evaluation
• Lending Structures
• Financial Modelling
• Excel Proficiency

Qualifications

• Postgraduate degree or professional qualification preferred (CA / CFA / FRM)
• Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.

Preferred Technologies

• Financial Analysis
• Credit Ratios
• Cash-Flow Evaluation
• Lending Structures
• Financial Modelling
• Excel Proficiency

About the company

India’s impact on the global economy has increased at an exponential rate and Deloitte presents an opportunity to unleash and realize your potential amongst cutting edge leaders, and organizations shaping the future of the region, and indeed, the world beyond. At Deloitte, your whole self to work, every day. Combine that with our drive to propel with purpose and you have the perfect playground to collaborate, innovate, grow, and make an impact that matters.