Model Risk Management | Annual Credit Review (ACR) | Credit Underwriting

Greetings from TCS!
We are looking for experienced professionals with strong expertise in Annual Credit Review (ACR) and Credit Underwriting within the Banking and Financial Services domain. The role involves conducting independent credit assessments, financial analysis, portfolio reviews, and risk evaluations to support effective credit risk management.
ROLE: Model Risk Management: Annual Credit Review (ACR) and Credit Underwriting
📍 Location: Pan India
💼 Experience: 5-15 Years
Key Responsibilities
Conduct Annual Credit Reviews (ACR) for commercial and corporate lending portfolios.
Perform detailed financial statement analysis and credit risk assessments.
Evaluate borrower creditworthiness, repayment capacity, and overall risk exposure.
Review underwriting decisions and ensure compliance with established credit policies.
Assess collateral structures, covenant compliance, and portfolio risk indicators.
Identify emerging credit risks and recommend appropriate mitigation measures.
Prepare credit review reports and present findings to stakeholders.
Collaborate with Risk Management, Credit Risk, Underwriting, and Business teams.
Support governance, audit, and regulatory requirements related to credit risk management.
Required Skills
Annual Credit Review (ACR)
Credit Underwriting
Credit Risk Analysis
Credit Appraisal
Financial Statement Analysis
Commercial / Corporate Banking
Portfolio Risk Assessment
Lending & Credit Evaluation
Preferred Skills
Wholesale Banking
Portfolio Risk Management
Credit Policy Review
Risk Rating Methodologies
Basel Framework
Qualifications
Full-time Bachelor's Degree in Finance, Commerce, Economics, Business Administration, Engineering, or related discipline.
MBA Finance / CA / CFA / FRM or equivalent qualification preferred.

Work arrangement
No