2190 Credit Analysis Jobs - Page 2

Department: Lending Services 0-2 months' notice candidates preferred due to business need. Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys RiskAnalyst (MRA) / CreditLens / client customized templates Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics Screening the credit agreements and analyzing the financial covenants applicable to the borrower Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Skills: . Communication, Problem-solving, Empathy, Patience, Time management, Conflict resolution, Adaptability, Active listening,. Candidate should be responsible for driving sales by developing communications with the validated customers who have applied on Wishfin.com. Candidate should be comfortable with sales profile with Finance/Marketing background. Should provide the product knowledge to customers and resolving their queries over calls and emails. Should become link in between networked financial institutions and customers and help customers in getting their queries resolved on time by them. Able to communicate with customers of diverse background, should understand their needs and help customers by resolving their issues and co ordinate with banks and nbfc's to provide customers with best of their services. Job TypesInternship, Contractual / Temporary, Freelance, Volunteer. Contract length3 months. Pay1.50% per month. g, On disbursal of 1,00,00,000, you will be paid 1,50,000. Schedule. Day shift. Supplemental Pay. Commission pay. Education. Higher Secondary(12th Pass) (Preferred). Experience. total work1 year (Preferred). Customer service1 year (Preferred). Language. English (Preferred). Hindi (Preferred). Work LocationIn person. Show more Show less

Skills: . Communication, Problem-solving, Empathy, Patience, Time management, Conflict resolution, Adaptability, Active listening,. Candidate should be responsible for driving sales by developing communications with the validated customers who have applied on Wishfin.com. Candidate should be comfortable with sales profile with Finance/Marketing background. Should provide the product knowledge to customers and resolving their queries over calls and emails. Should become link in between networked financial institutions and customers and help customers in getting their queries resolved on time by them. Able to communicate with customers of diverse background, should understand their needs and help customers by resolving their issues and co ordinate with banks and nbfc's to provide customers with best of their services. Job TypesInternship, Contractual / Temporary, Freelance, Volunteer. Contract length3 months. Pay1.50% per month. g, On disbursal of 1,00,00,000, you will be paid 1,50,000. Schedule. Day shift. Supplemental Pay. Commission pay. Education. Higher Secondary(12th Pass) (Preferred). Experience. total work1 year (Preferred). Customer service1 year (Preferred). Language. English (Preferred). Hindi (Preferred). Work LocationIn person. Show more Show less

Job Title : Credit Specialist Job Summary : Responsible for Credit reviews for management by researching and analyzing sales data, customer accounts, business information and management reports Essential Job Duties : Analyzing the credit data and financial information of the individuals or companies in order to determine the risk involved in offering them credit Preparing management reports about degree of risk in giving the customers credit terms such as various collection reports Coordinating with sales/Collections/Billing department for proper documentation of customers requirements, change of address/payment plans/change of business information/collecting US states certificates Validating the Sales tax exemption documents submitted by the customers. Understand different credit rating companies scores and analyze the information provide on the documents to reach to an accurate decision about customer business. Use reports to develop Process Improvement ideas and coordinate with Manager for implementation Basic Qualifications (Minimum Required Experience, Education, Key Attributes ): Education & Experience: Commerce graduate/Post Graduation. Minimum of 1- 3 years of relevant experience. Knowledge/Skills/Abilities: 1-4 Years experience in an US/ Europe Accounts Receivable profile Ability to work in a fast paced environment Good written and verbal communication skills Basic to intermediate skill level in Microsoft Excel, PowerPoint Willingness to learn new skills Should have a Do what it takes’ and a ‘I must deliver’ attitude

Support global Credit Analyst(s) in analyzing the performance of a portfolio of structured finance transactions and in responding to credit events. Assist global Credit Analyst(s) in cash flow analysis, including for complex deals. Analyze industry dynamics and regulatory trends. Prepare internal credit research reports and notes. Assist global Credit Analysts in preparing publishable credit reports. Model and regularly maintain structured finance deals (RMBS, ABS, CMBS, etc. across regions) using proprietary platforms; ensure the correctness of the cash flows. Model maintenance involves: In-depth understanding of transaction documents such as Offering Circular, Indenture, Swap Agreement, etc. to understand the structure and features of the deals. Preparing setup files. Writing appropriate conditions & payments structure in the tool needed to generate the required output and make it ready for investors. Regular testing and validation of models based on the most recent reports, statements published by issuers, servicers, understanding payment structures, and revising the model to sync with expected outcomes. Stay abreast of the latest developments in the structured finance market and understand/ comment on their potential impact. Process Adherence: Focus on review/QC, adding analytical inputs when required. Create and maintain base-level training, process manuals, and documentation to ensure smooth execution of tasks. Adopt the defined processes in day-to-day execution of assignments. Identify process improvement avenues and value-added work. Ensure that new knowledge gained is retained and documented through operating manuals. Work with other teams and suggest methods to make the current process more efficient. Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures, and Guidelines of the organization.

Carry out in-depth credit analysis of companies under coverage, including business, financial, and peer analysis, and prepare credit reports (annual/quarterly reviews). Building and updating credit models including KPI based projections, writing initiations and preparing concise earning notes for assigned coverage. The role requires regular surveillance of the assigned portfolio by proactively tracking the company events (including quarterly earnings, regulatory updates), peer group and other industry information sources. Quickly develop understanding of the operating and financial metrics relevant for any new sector in coverage. Engage with client teams proactively and independently Establish and maintain consistent standards and processes in credit analysis. Knowledge of data sources such as Bloomberg, S&P Capital IQ and knowledge of macros, VBA, R, Python etc. would be an added advantage. FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Background in conducting credit analysis of Corporates/Financial institutions. Strong understanding of credit principles, credit review/appraisal, credit rating, report writing, capital structure, EBITDA & ratio analysis. Strong quantitative skills are essential given the job also requires building and updating detailed financial models. Detail-oriented, with a keen interest in financial markets. Keen interest to take a deep-dive into credit analysis. Able to work under pressure and tight deadlines. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Should be capable of multi-tasking and handling projects with tight deadlines. Ability to think and work independently. MINIMUM & PREFERRED EDUCATION MBA (Finance) from reputed institute / CA / CFA is essential Progress towards CFA (US) would be preferred MINIMUM & PREFERRED EXPERIENCE / SKILLS Prior experience of minimum 3-5 years in credit research/analysis

CRISIL is looking for Credit Analyst to join our dynamic team and embark on a rewarding career journey Review credit applications and perform credit checks Structure deals and perform risk assessments Draft models of credit information that predict trends and patterns Assessing, analysing and interpreting complicated financial information Undertaking risk analysis by developing statistical models Proficient in Microsoft Office Advanced Excel skills

Provide valuation services to client for variety of purposes Building financial models as per business and industry dynamics Using various valuation techniques like Discounted Cash Flow (DCF), Market comparable approach etc Identify Comparable companies and compute multiples and benchmarking with peers to compare growth and profitability Create reports conveying the valuation with rationale and detailing about assumptions Conduct ad-hoc research based on instructions provided Conduct valuation of client portfolios including loans, equities, NCDs, CCPS, OCPS, derivatives, AIFs etc Analysis of business and its instruments, credit quality, cash flows, discounting rate and covenant monitoring Assessing expected credit loss (ECL) for recovery estimation for defaulted exposures

The role comprises working on comprehensive credit reviews of project finance deals based in global markets. Areas of work involve: Analysing information such as financial statements, operations/progress reports, asset summary report and debt structure Preparing deep dive financial models with drivers-based revenue estimations and financial projections for a period of 5-7 years. Perform financial statement analysis, undertake research and analysis of the project/entity based on thorough research from loan origination documents, prior annual assessments, secondary resources, etc. Prepare a detailed credit assessment report and elaborately discuss the project s/company s business model, funding mix, strengths and weakness and evaluating its operational and financial risk profile (Cash flow, debt servicing assessment, etc.). Provide industry overview (operating market environment) and likely company position within industry based on secondary research. Perform credit evaluation of borrower transaction history, underlying collateral, covenant monitoring, covenant projections and suggesting early warning signals (if applicable) FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Bring domain expertise in project financing operations and act as Subject Matter Expert In-depth understanding of financial statement linkages, experience in working on complex financial models, strong fundamentals. Experience in credit analysis, credit research and detailed report writing. Reasonable understanding of lending process, bank guarantees and covenant monitoring.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

Evaluate financial statements, bank transactions, ITRs, and GST data to assess borrower creditworthiness Analyze various business models and proactively identify credit and operational risks Prepare detailed and concise credit appraisal notes for internal credit committee/sanctioning Recommend loan amount, tenure, and repayment structure aligned to business viability Conduct business and site verifications, and validate all key documents submitted by borrowers Ensure adherence to internal credit policies and regulatory norms at every stage of assessment

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable) Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

Role & responsibilities Managing Mid-Market and Emerging Large Corporates Regular monitoring of borrower accounts / regular follow-ups and maintaining update on the developments in the respective borrower accounts. Ability and required knowledge to advise borrowers in a turnaround situation with respect to liquidity concerns, undertaking viability study, develop sustainable business plans and getting involved in the rehabilitation package Managing stressed assets involving interaction with the company, performance monitoring & benchmarking, adherence to stipulated terms, site visits, etc. Monitoring exposures to enable proactive action whenever required. Review credit files, financials and security documentation and current status. Designing and implementing suitable early warning triggers for allocated accounts. Closely monitoring allocated portfolio, reviewing operational and financial performance, monitoring monthly cash flows, tracking performance of economic cycles and applicable industries, which have a bearing on the respective assets etc. Formulation of recovery strategy post factoring appropriate legal options Technical Competencies Knowledge of reading and understanding the financials of an entity, involving credit analysis. Knowledge of various industries Knowledge of RBI guidelines for stressed assets and restructuring Reasonable knowledge of various legal forums and applicable laws, including IBC, SARFAESI, commercial suits, contract laws, etc Satisfactory note making skills and good command over written and spoken communication

As a U.S Mortgage Underwriter based in Chennai, you will play a pivotal role in the mortgage lending process by evaluating the creditworthiness and risk profile of potential borrowers. Your responsibilities will include analyzing financial information, reviewing loan applications, and making well-informed decisions regarding the approval, conditional approval, or denial of mortgage loans. It is essential to ensure that all loans adhere to the company's lending standards and regulatory requirements. Your key responsibilities will involve reviewing and verifying loan applications to ensure the completeness and accuracy of all required documents. You will assess the borrower's credit history, employment status, income, and debt levels while confirming the property's value through appraisal reports. Additionally, you will evaluate credit reports to determine creditworthiness, calculate debt-to-income ratios, and review property valuations for accuracy. Furthermore, you will be responsible for ensuring compliance with federal, state, and local regulations, as well as company policies and guidelines. Identifying potential risks and evaluating the overall risk level of loans will be crucial aspects of your role. To excel in this position, you should possess a bachelor's degree and have proven experience in mortgage processing or underwriting. A strong understanding of mortgage industry regulations and procedures is essential, along with excellent analytical and problem-solving skills. Attention to detail, exceptional organizational abilities, and proficiency in mortgage processing software and financial tools are key requirements. Effective communication skills, the ability to work under pressure and meet deadlines, and a solid grasp of financial statements and credit reports are also essential. Certification in mortgage underwriting or related fields would be advantageous. If you are open to working night shifts and have a notice period of up to 45 days, we invite you to join our team and contribute to our mission of providing quality mortgage services.,

The role of Senior Associate/Team Lead/Assistant Manager Credit Analyst (Financial Spreading) based in Bangalore requires a candidate with a minimum of 2 years of experience in credit analysis, financial spreading, and familiarity with Moody's Credit Lens. The primary responsibilities include analyzing and spreading financial statements using Moody's Risk Analyst (MRA), Credit Lens, or client-specific templates. This involves evaluating income statements, balance sheets, and cash flows of both public and private companies to facilitate the credit appraisal process. Furthermore, the candidate will be responsible for calculating various financial metrics such as Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, and Custom Ratios. They will also be tasked with screening credit agreements, analyzing financial covenants applicable to borrowers, monitoring covenant compliance, and preparing relevant reports. The ideal candidate should be willing to work flexible shifts and possess key skills such as credit analysis, credit risk assessment, financial spreading, and proficiency in Moody's Lens. The educational requirement for this role is an MBA in Finance. The employment type is full-time and permanent within the ITES/BPO/KPO industry, specifically in the ITES/BPO/Customer Service functional area. If you meet the specified criteria and are interested in the role of Senior Associate/Team Lead/Assistant Manager Credit Analyst (Financial Spreading) in Bangalore, we encourage you to apply for this position.,

Role & responsibilities To source new Govt business and provide customized product/sales support. Responsible to interact & liaison with Finance Heads/ Key Decision Makers in various Institutions like Govt. Organizations, Trusts, Societies, Educational bodies, Hospitals, Associations, Clubs, Co-op Banks, Religious/ Charitable Organisations, NGOs, etc. to source business & offer customized financial solutions for their needs. Growth of regional CASA portfolio of clients by cross-selling products & services like Loans, CMS, Fees Collection, Mobile/ Digital solutions, Payment Gateway, EDC, FCRA Services etc.

Role & responsibilities Managing Mid-Market and Emerging Large Corporates Regular monitoring of borrower accounts / regular follow-ups and maintaining update on the developments in the respective borrower accounts. Ability and required knowledge to advise borrowers in a turnaround situation with respect to liquidity concerns, undertaking viability study, develop sustainable business plans and getting involved in the rehabilitation package Managing stressed assets involving interaction with the company, performance monitoring & benchmarking, adherence to stipulated terms, site visits, etc. Monitoring exposures to enable proactive action whenever required. Review credit files, financials and security documentation and current status. Designing and implementing suitable early warning triggers for allocated accounts. Closely monitoring allocated portfolio, reviewing operational and financial performance, monitoring monthly cash flows, tracking performance of economic cycles and applicable industries, which have a bearing on the respective assets etc. Formulation of recovery strategy post factoring appropriate legal options

Role & responsibilities Managing the banking and investments relationship of clients and responsible for overall growth of Liabilities & Investment business from HNI segment Develop, manage, and expand customer relationships by providing service level which exceeds client expectations of most important customer segment. Identify current and potential relationship with additional revenue potential and grow business Generating Incremental Business Sales targets spread across liabilities, retail assets, business banking, forex, cards, investments etc. Proactively sell the full range of consumer and commercial product to current and potential HNI Relationships Increase CASA balance in allocated portfolio either through Deepening or Acquisition Driving higher product and channel penetration to deepen mapped relationships and to increase wallet share with Bank Customer Engagement: Ensuring portfolio quality by regularly engaging with each mapped relationship and maintaining the desired relationship values Face to the client and First person Responsible for service and sales satisfaction of mapped clients

We are seeking a Credit Manager to join our team in India. The ideal candidate will be responsible for assessing credit risk, managing customer credit accounts, and ensuring that the company maintains a healthy credit portfolio. This role is suited for individuals with 0-3 years of experience in finance or credit management. Responsibilities Analyze credit data and financial statements to determine the risk in extending credit or lending money. Evaluate customer creditworthiness by reviewing credit histories and financial records. Make recommendations for credit limits and terms based on analysis of the data. Monitor the credit portfolio and identify any potential risks or issues that may arise. Communicate with clients regarding credit decisions and terms, providing excellent customer service. Collaborate with sales and finance teams to ensure alignment on credit policies and risk management. Prepare reports on credit metrics and present findings to management. Skills and Qualifications Bachelor's degree in Finance, Accounting, Business Administration or a related field. Strong analytical skills to evaluate financial data and assess credit risk. Proficiency in financial modeling and analysis tools such as Excel. Knowledge of credit reporting systems and financial regulations in India. Excellent communication and interpersonal skills to interact with clients and team members. Attention to detail and strong organizational skills to manage multiple accounts effectively. Ability to make sound decisions and recommendations based on data analysis.

We are looking for a highly motivated finance professional with 2 to 4 years of experience who has been involved in at least one fundraise transaction (equity or debt). This role bridges internal teams and external lenders, with strong emphasis on pre- and post-disbursement processes, debt structuring, and financial compliance. Key responsibilities: Must Haves: Hands-on experience or shadowing of at least one fund raise transaction (Equity/Debt). Strong understanding of debt capital raise process and debt structures (e.g., Term Loan, NCDs). Strong communication and presentation skills. Ability to independently manage meetings with lenders and internal stakeholders . Pre-Disbursement Requirements: Facilitate the completion of all due diligence and documentation required for loan disbursements. Ensure compliance with conditions precedent (CP) before fund disbursement. Assist in the preparation and review of financial models, projections, and loan application documents. Work closely with legal and finance teams to ensure smooth execution of loan agreements. Post-Disbursement Monitoring: Monitor and ensure adherence to financial covenants, reporting obligations, and repayment schedules. Track key loan terms, including interest rate adjustments, EMI payments, and any restructuring requirements. Prepare and submit periodic compliance reports and financial statements as per lender requirements. Identify potential covenant breaches and proactively work on remedial measures with lenders and internal teams. Internal Coordination Day-to-day management with internal teams including Finance, Legal, Operations, and Compliance. Ensure alignment between lender needs and internal reporting. Qualifications & Skills: B.Com or MBA (in finance) qualification is mandatory. 2 to 4 years of experience in financial management or fundraising. Strong grasp of loan documentation, regulatory compliance, and covenants. Proficiency in Excel and financial modeling. Strong stakeholder management and multi-tasking ability. Detail-oriented with the ability to manage multiple stakeholders and deadlines.

As a Senior Credit Manager, you will be responsible for overseeing the credit risk assessment process and managing the credit department. Your primary role will involve analyzing credit data, evaluating creditworthiness of individuals or businesses, and making recommendations on credit limits. You will also be responsible for developing and implementing credit policies, procedures, and strategies to minimize risk and maximize revenue. In this role, you will work closely with cross-functional teams to ensure compliance with regulations and internal credit policies. You will also be involved in mentoring and training junior credit analysts, providing guidance on complex credit issues, and making decisions on credit approvals or denials. Additionally, you will be tasked with monitoring the credit portfolio, identifying potential risks, and taking proactive measures to mitigate those risks. The ideal candidate for this position should have a strong background in credit risk management, excellent analytical skills, and the ability to make sound credit decisions. You should also possess good communication skills, attention to detail, and the ability to work effectively in a fast-paced environment. A bachelor's degree in finance, accounting, or a related field is typically required, along with several years of experience in credit analysis or risk management. A certification such as Certified Credit Executive (CCE) or similar would be a plus.,

The key objective of the job is to conduct credit analysis of proposals and prepare credit notes. You will be responsible for facilitating faster deal closures by actively participating in deal structuring and credit enhancement while maintaining a balance between business growth and portfolio quality. It will be essential to meet new and existing customers regularly and monitor the portfolio to identify any signs of stress in accounts and take necessary corrective actions. Your primary responsibilities will include ensuring the quality of credit underwriting, monitoring the portfolio performance in terms of delinquencies, deferrals, annual reviews, and renewals. You will also be required to continuously monitor all high-value exposures in the region, develop market intelligence through interactions with competitors, business groups, and CA firms, and raise early warning signals for stressed accounts to enable timely exit strategies. Additionally, you will need to minimize audit queries, including those from RBI and statutory audits, and address them within the specified timelines. This role requires proactive participation in maintaining portfolio quality, identifying potential risks, and ensuring compliance with regulatory requirements.,

You will be responsible for ensuring the achievement of sales targets by driving sales at the branch, including leading a team in a Team Handling role. Building, managing, and promoting relationships with Channel Partners to generate new customer leads will be a key aspect of your role. Additionally, you will be required to manage and lead the DSTs at the branch, interface with customers to provide efficient service, and work towards building a credit-worthy portfolio. To be considered for this position, you should be a Graduate or Postgraduate with at least 3-5 years of prior experience in Home Loans or Loan Against Property. It is essential to have a good understanding of the locale and possess excellent communication skills. You should also be capable of comprehending property valuation as well as legal and technical norms. A minimum of 2 years of experience in Secured Business Loans is required for this role. If you meet these qualifications and are looking to take on a challenging role in the financial services industry, we encourage you to apply for this position.,

You are looking for a Live Underwriter position with a permanent work from home option. The role involves conducting underwriting for residential mortgages in the U.S. during night shifts. A minimum of 3+ years of experience in underwriting is required, with at least 2 years specifically in live underwriting. Your key responsibilities will include reviewing and underwriting U.S. residential mortgage loan files to ensure compliance with FNMA, FHLMC guidelines. You should be familiar with GNMA and other investor guidelines. Conducting a comprehensive analysis of borrowers" credit, income, assets, and collateral (4Cs) to determine creditworthiness is essential. This includes performing income analysis from various sources and reviewing credit reports. As a Live Underwriter, you will validate collateral and property valuations, verify asset documentation, and make independent underwriting decisions in line with investor and company policies. Compliance with internal controls and regulatory requirements is crucial. Clear communication of findings and decisions to stakeholders is expected while delivering quality outcomes within specified turnaround time and accuracy metrics. This full-time permanent role is based in Gurgaon. Interested candidates can reach out to HR Umme at 8655884775 or Umme@careerguideline.com. If you meet the experience requirements and possess the necessary skills for residential underwriting, this opportunity at FIRST SOURCE could be a good fit for you.,