Ca Intern

Yes bank -Urgent hiring for CA Industrial Trainee,

Job Title: CA Industrial Trainee Credit Risk Management

Role Overview

Our firm is seeking highly motivated CA Industrial Trainees to join our Credit Risk Management division. You will gain deep, hands-on exposure to underwriting, risk mitigation, and financial analysis across two critical growth sectors:

Micro Enterprises Banking and Commercial Banking (Mid-Corporate). 1. Core Responsibilities & Portfolio Management

2. Micro Enterprises Banking (Mass-Market Credit)

• Evaluate high-volume loan applications using financial statements, tax filings, and bank statements.
• Assess cash-flow viability and repayment capacities of micro-businesses and proprietors.
• Conduct data-driven risk profiling using standardized scoring models and surrogate data.
• Monitor early warning signals to mitigate delinquency and manage portfolio credit health.

B. Mid-Corporate Commercial Banking (Complex Credit)

• Conduct deeply detailed financial analysis, including ratio analysis, trend assessment, and working capital cycles.
• Prepare structured Credit Proposals (CAM/ICAM) for multi-crore credit facilities.
• Assess industry risk dynamics, competitive positioning, and management capabilities of corporate borrowers.
• Structure credit facilities (Fund-based and Non-fund-based like LC/BG) to align with risk appetite.
• Participate in site visits and senior management interactions to evaluate business operations firsthand.

2. Candidate Eligibility & Technical Skills

• Academic Qualification: Passed CA Intermediate (preferably both groups in the first attempt).
• ICAI Eligibility: Eligible for CA Industrial Training as per ICAI guidelines (typically during the last year of articleship).
• Financial Literacy: Strong command over accounting standards, financial statement analysis, and corporate finance.
• Analytical Rigor: Proficiency in Advanced Excel (financial modeling, tracking metrics, formulas).
• Communication: Sharp business writing skills for drafting concise credit notes and risk arguments.

3. Key Benefits & Work Culture

• Structured Mentorship: Direct reporting to Senior Risk Managers and Experienced Leaders.
• Competitive Stipend: Fully aligned with premium corporate industrial training market standards.
• Exam Leave Allocation: Dedicated study leave provided to ensure preparation for CA Final exams.
• Corporate Exposure: A distinct shift from traditional articleship into core banking credit strategy.