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Credit Officer
Equitas Small Finance Bank · India
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Credit Analysis & Risk Assessment: Analyze financial statements, cash flow projections, and credit history to calculate risk ratios and determine a borrower’s ability to repay. Loan Approvals & Structuring: Approve, reject, or negotiate loan terms (such as interest rates and payment plans) based on established underwriting guidelines and policies . Portfolio Monitoring: Track the performance of existing loans, ensure compliance with loan covenants, and identify early warning signs of default. C…