Credit Analyst

Job Description

🔹 Position: Credit Executive 📍 Location: Mumbai 📅 Experience Required: 6 months to 5 years 💰 Salary: As per industry standards 🗂 Functional Area:*Credit & Finance Job Description: We are seeking a detail-oriented and proactive Credit Executive to join our team. The ideal candidate will have a solid understanding of financial principles and loan underwriting processes for both salaried and self-employed applicants. Key Responsibilities: * Analyze financial documents including Profit & Loss Statements, Balance Sheets, and Financial Ratios * Underwrite home loans for salaried and self-employed individuals * Conduct virtual discussions with clients for loan assessment * Ensure timely delivery of sanction letters and disbursements (TAT management) * Research and evaluate clients’ creditworthiness * Use credit scoring models to assess risk levels * Negotiate loan terms when required * Ensure compliance with all regulatory lending procedures * Allocate loan files to the appropriate banks based on the client’s profile and creditworthiness * Manage the end-to-end credit application process, from file login to final disbursement Desired Candidate Profile: * Graduate from any stream (Bachelor’s degree mandatory) * Prior experience in the banking or financial sector preferred * Willingness to travel as required * Strong communication and interpersonal skills