Credit Underwriter
Mumbai, Maharashtra, IndiaJob₹200–400K/yrPosted 6y agoStill listed 2 days ago
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Job overview
The Credit Underwriter analyzes financial and bank statements, conducts client discussions, and prepares credit appraisals to assess creditworthiness for unsecured working capital loans while ensuring compliance with policies and timelines.
Skills & qualifications
Skills
Qualifications
Full job description
Job Description:
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Analysis of Financial Statement, Bank statement and other key parameter to check the credit worthiness for Unsecured Working Capital Loan.
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Personal discussion with clients to understand the business model & financial aspects to justify the working capital gap and to establish Credit worthiness.
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Maintaining strict TAT for credit application analysed and Providing Credit-related inputs for deciding variables of the algorithms and help Data Scientists for Credit-worthiness Model
-Credit approval and ensuring approval is within TAT
-Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal & new borrowers)
-To ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
- Checking and appraising proposals, scrutinizing documents including SOA analysis, Cibil analysis ensuring proper KYC etc before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO
-To prepare Credit Appraisal Memo (CAM).
-Responsible for Credit Assessment
-To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
-To ensure credit policy adherence to the accepted standards.
-To control and contain front-end delinquencies by calling up customer on first presentation.
-Work closely with RM/Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approvals
Desired Candidate Profile: Good experience in Credit analysis - Balance sheet, Profit & Loss Statement, Bank Statement, ratio Good eye for detail Good analytical Skills Understanding of credit policies and procedures Understanding of Financial /Banking products and services Experience in Credit CPA role or similar profile Experience in SME business lending
Behavioural Competencies Required: Analytical thinking Commitment Result oriented Customer Centric Concern for quality
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