Credit Audit Role - Wholesale

Key Responsibilities:

- Conduct end-to-end credit audits for Wholesale & SME portfolios.

- Review due diligence, documentation, sanctioning, monitoring, and credit rating processes.

- Audit working capital, term loans, project finance, and non-fund exposures.

- Perform thematic reviews on NPAs, provisioning, end-use verification, and stressed assets.

- Identify process gaps, control lapses, and recommend corrective actions.

- Analyse financial data to validate credit assessments.

- Ensure timely regulatory submissions (RBI data, Tranche III, etc.).

- Prepare and finalise audit reports; track and close open issues.

- Coordinate with stakeholders to discuss observations and improvements.

- Support concurrent audits and maintain updated audit documentation.