Assistant Manager | Credit Underwriting | Pune | Regulatory & Financial Risk

Job requisition ID :: 106104

Date: Jul 21, 2026

Location: Pune

Designation: Assistant Manager

Entity: Deloitte South Asia LLP

Assistant Manager | Credit Underwriting | Pune | Regulatory & Financial Risk

Job requisition ID : 106104

Location: Pune

Entity: Deloitte South Asia LLP

The team

Deloitte Strategy, Risk & Transaction helps entities mitigate risk while discovering new opportunities to create value. Our end-to-end risk services span all domains, from managing strategic risks in the C-Suite to improving board oversight, and from balancing financial and environmental policies to addressing cyber threats. Learn more about Risk, Regulatory & Forensic)

Your work

Evaluate loan applications for commercial and wholesale banking clients, ensuring adherence to internal credit policies, risk appetite, and regulatory frameworks (e.g., Basel III).

Prepare detailed credit memos and present recommendations to the credit committee.

Structure and negotiate credit facilities, including term loans, working capital, trade finance, and real estate-backed loans.

Credit Analysis: Assess creditworthiness by analysing borrowers’ financial statements, cash flow projections, and risk factors.

Perform thorough due diligence on borrowers, guarantors, and collateral.

Loan Document Review: Conduct thorough reviews of loan documentation to identify risks and ensure compliance with legal and organizational requirements.

Financial Statement / Ratio Analysis: Analyse key financial ratios, trends, and statements to provide recommendations on lending decisions.

Corporate/FI Onboarding: Collaborate with internal stakeholders to ensure smooth onboarding of corporate clients and financial institutions, while maintaining compliance standards.

Collaboration: Partner with relationship managers to design client-specific solutions.

Proven experience with commercial and wholesale loans, including loan structures and risk assessment methodologies.

Strong understanding of commercial/wholesale banking products, such as term loans, trade finance, and CRE lending.

Expertise in financial modelling, cash flow analysis, and debt capacity assessment.

Familiarity with credit scoring systems, loan documentation, and collateral management.

Proficiency in credit analysis, including financial statement interpretation and ratio analysis.

Ability to assess cash flows and financial trends to support sound lending decisions.

Expertise in reviewing and interpreting loan documentation to identify and mitigate associated risks.

Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, and ESG review, 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.

Key skills required:

Minimum relevant experience of 3 Years in credit domain.

Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures

Financial modelling, excel proficiency, data validation

Credit policy interpretation, documentation governance, controls

ESG and climate-risk assessment exposure

Stakeholder management, negotiation, and team guidance (for senior levels)

Postgraduate degree or professional qualification preferred (CA / CFA / FRM).

Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.

Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.

Understanding of ESG/climate-risk principles (preferred).

Strong analytical and decision-making skills.

Excellent verbal and written communication skills.

Ability to work under pressure and manage multiple priorities.