Auditor

CA Fresher
Evaluate the quality of credit assessments, financial analysis, and cash flow projections for wholesale borrowers.
Verify compliance with Corporate Credit Policies, risk-appetite frameworks, and RBI exposure norms.
Assess industry-specific risk analysis, financial covenants, and macro-economic factors considered during appraisal.
Review credit committee memos, approval deviations, and the justification for pricing or structural exceptions.
Audit the execution and perfection of security, including charges on fixed assets, hypothecation of current assets, and corporate/personal guarantees.
Verify pre-disbursement conditions (CPAs) and check if legal vetting, property valuations, and title search reports are current and valid.
Review complex facility documentation for consortium lending, multiple banking arrangements, and project finance.
Assess the effectiveness of early warning signal (EWS) frameworks and stock/book-debt audit mechanisms.
Review account conduct, end-use of funds, timely renewal of limits, and compliance with financial covenants.
Identify early signs of stress, potential non-performing assets (NPAs), and credit frauds within the portfolio.
Audit the restructuring process, stressed asset management, and provisioning logic for downgraded accounts.
Extract and analyze credit portfolio data using risk models, SQL, or Excel to identify high-risk segments.
Draft evidence-backed audit findings highlighting core process weaknesses for credit committees and business heads.
Track the closure of critical audit observations and verify the implementation of corrective actions.
Facilitate the lead auditor in preparation of reports.
Review control mechanisms in outsourcing arrangements, vendor processes, and third-party integrations.

Work arrangement
No