CA- MT - Management Trainee

We are looking for a Chartered Accountant (CA) or Cost & Management Accountant (CWA) Fresher to join as a Management Trainee in the Credit function. This role offers a strong foundation in credit underwriting, risk assessment, and financial analysis within the banking and MSME lending space. The ideal candidate will gain hands-on exposure to end-to-end loan processing, customer evaluation, and portfolio monitoring while working closely with business and risk teams.

Financial & Credit Responsibilities

• Conduct detailed customer assessments through field visits to business locations, residences, and collateral sites
• Prepare credit assessment memos, including financial analysis and cash flow evaluation
• Evaluate collateral, including legal and technical due diligence
• Perform credit checks and ensure compliance with documentation requirements
• Recommend and underwrite proposals in line with internal policies and procedures
• Support loan disbursement processes, ensuring accuracy and zero-error execution
• Monitor early delinquencies and identify potential risk cases to maintain a healthy portfolio
• Assist in managing post-disbursement documentation and compliance

Operational Responsibilities

• Process loan files within defined turnaround times (TAT)
• Coordinate with business teams to ensure seamless proposal processing
• Stay updated on local market conditions, including economic, legal, and industry developments
• Provide inputs and updates to senior stakeholders on potential risks or market changes
• Support internal teams through knowledge sharing on products, policies, and processes

Compliance & Risk Responsibilities

• Resolve audit queries and ensure adherence to internal and regulatory guidelines
• Maintain strict confidentiality of customer and organizational data
• Review early warning signals and non-starter cases with due diligence
• Ensure full compliance with company policies and risk frameworks

Functional Competencies

• Basic understanding of mortgage lending and MSME credit evaluation
• Knowledge of credit bureau checks, property valuation, legal reports, and documentation
• Awareness of banking and financial parameters used in borrower assessment
• Strong documentation and analytical skills

Behavioral Competencies

• Strong interpersonal and communication skills
• Detail-oriented with a high level of accuracy
• Result-driven with a proactive and positive approach
• Strong problem-solving mindset and willingness to learn

Qualifications & Experience

• CA / CWA (Qualified)
• Freshers are encouraged to apply

Skills

• Credit Analysis
• Financial Assessment
• Risk & Compliance
• Documentation Management