Credit Underwriter
Mumbai, India
1d ago
source : Cutshort

Job Description : - Analysis of Financial Statement, Bank statement and other key parameter to check the credit worthiness for Unsecured Working Capital Loan.

  • Personal discussion with clients to understand the business model & financial aspects to justify the working capital gap and to establish Credit worthiness.
  • 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 approvalsDesired Candidate Profile : Good experience in Credit analysis - Balance sheet, Profit & Loss Statement, Bank Statement, ratioGood eye for detailGood analytical SkillsUnderstanding of credit policies and proceduresUnderstanding of Financial / Banking products and servicesExperience in Credit CPA role or similar profileExperience in SME business lendingBehavioural Competencies Required : Analytical thinkingCommitmentResult oriented Customer CentricConcern for quality Skills : - Financial Ratio Analysis, credit assessment, credit analysis, Quality analytics, SME lending, business loan and Credit policies
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