Credit Appraisal - Appraising or underwriting Proposals for Term Loans, Working capital facilities like Fund based facilities (Cash Credit , Overdraft , WCDL,WCTL,TL,) & Non Fund based facilities (LC, BG, etc) within defined RBI Guidelines/Internal Credit policy guidelines and accordingly recommending for approval to appropriate authority. Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions. Conducting personal discussion (PD) with the customer at their factory premises / Office to get clear idea / vision of the entrepreneur. Closely watching, observing their conduct of business and documenting the same in CAM. Responsible for handling Credit analysis, Credit appraisal and Credit Monitoring of the customers. Understanding customer business needs/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in and also to assess the intention, business continuity & credit behavior and verifying through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks. writing of Proposal note and Credit Approval Memorandum (CAM) as per prescribed guidelines of the Bank and following internal approval processes, Detailed Financial analysis. Analyzing the Back ground by thorough due diligence mainly assessing and analyzing the Financial strength of the applicant customer with the help of their Audited Financials, Interim Performance etc. Analyzing the audited / certified financials as the case may be & need to understand the Ratio Analysis in line of business/ industry trends. Renewing and reviewing existing loans on regular periodic intervals. Conducting Due diligence studies on customers of the Bank, site visits, Pre & post sanction Visits etc