1497 Credit Appraisal Jobs - Page 10

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience Approve / Recommend Mortgage ( LAP) & Housing loan applications. Ensuring error free underwriting of loans in line with approved processes and policy guidelines Monitor & train the Jr. Resources in the team keeping role succession planning & achieving the TAT. Ensure meticulous compliance with internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Manage ,supervise and provide guidance to the vendor agencies like legal and technical to get the desired and quality output. Doing PD for decision of cases basis of document provided Co-ordination with branches, Legal & Technical team and Ops team Feedback to management on policy as well process changes to be done Update branch with current status of files Overall portfolio quality of cases underwritten PDD management , tracking and submission of the disbursed cases Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 3 - 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience Approve / Recommend Mortgage ( LAP) & Housing loan applications. Ensuring error free underwriting of loans in line with approved processes and policy guidelines Monitor & train the Jr. Resources in the team keeping role succession planning & achieving the TAT. Ensure meticulous compliance with internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Manage ,supervise and provide guidance to the vendor agencies like legal and technical to get the desired and quality output. Doing PD for decision of cases basis of document provided Co-ordination with branches, Legal & Technical team and Ops team Feedback to management on policy as well process changes to be done Update branch with current status of files Overall portfolio quality of cases underwritten PDD management , tracking and submission of the disbursed cases Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 3 - 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience Approve / Recommend Mortgage ( LAP) & Housing loan applications. Ensuring error free underwriting of loans in line with approved processes and policy guidelines Monitor & train the Jr. Resources in the team keeping role succession planning & achieving the TAT. Ensure meticulous compliance with internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Manage ,supervise and provide guidance to the vendor agencies like legal and technical to get the desired and quality output. Doing PD for decision of cases basis of document provided Co-ordination with branches, Legal & Technical team and Ops team Feedback to management on policy as well process changes to be done Update branch with current status of files Overall portfolio quality of cases underwritten PDD management , tracking and submission of the disbursed cases Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 3 - 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience Approve / Recommend Mortgage ( LAP) & Housing loan applications. Ensuring error free underwriting of loans in line with approved processes and policy guidelines Monitor & train the Jr. Resources in the team keeping role succession planning & achieving the TAT. Ensure meticulous compliance with internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Manage ,supervise and provide guidance to the vendor agencies like legal and technical to get the desired and quality output. Doing PD for decision of cases basis of document provided Co-ordination with branches, Legal & Technical team and Ops team Feedback to management on policy as well process changes to be done Update branch with current status of files Overall portfolio quality of cases underwritten PDD management , tracking and submission of the disbursed cases Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 3 - 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

As a Credit Analyst - SME, your primary responsibility will be to prepare Credit Appraisal notes for SME clients. You will engage in discussions with the business to determine Terms and Conditions for risk assessments. Furthermore, you will communicate with customers to gather necessary information for the preparation of CRANs. It will be crucial for you to monitor accounts based on the terms set by the Sanctioning Authority. You will also be tasked with creating Monthly/Quarterly Monitoring Reports for the portfolio and developing action plans for any non-compliances that may arise. Regular visits to the units for inspections and subsequent submission of inspection reports will be part of your routine. Managing and addressing any escalations related to risk assessments will be within your scope of work. The ideal candidate for this role should have a minimum of 3-6 years of experience in Credit Underwriting for Large Corporates. While not mandatory, experience in the Pharma sector credit analysis would be advantageous. Candidates with a CA or MBA qualification, along with excellent verbal, written communication, and presentation skills, are encouraged to apply for this position.,

You will be responsible for implementing credit policies and processes at the State level, working closely with area credit managers to ensure compliance and portfolio quality. You have to conduct credit risk assessments and monitor portfolio performance within their designated zones, while also collaborating with branch teams to optimize credit processes. You will play a crucial role in implementing national credit strategies and providing support to area credit managers in achieving organizational objectives within their respective states. Customers Risk Teams Legal Teams Technical Teams Sales Teams Compliance Teams Role Expectations Conduct thorough credit assessments and implement effective risk management strategies tailored to the state's market conditions. Ensure compliance with state-level regulatory requirements and internal policies. Monitor and optimize the loan portfolio within the state to maintain quality and profitability. Collaborate effectively with regional and local teams and communicate important updates and decisions within the state. Identify opportunities for process improvement and drive initiatives to enhance efficiency and effectiveness. Provide leadership and support within the state credit department to achieve organizational objectives. Behavioural Skills Analytical Thinking Communication and Collaboration Adaptability Attention to Detail Knowledge Credit Risk Analysis Regulatory Compliance Portfolio Management Credit Policy Development Focus Areas Credit Assessment 1. Conducting comprehensive credit assessments for loan applications within the state. 2. Ensuring adherence to credit evaluation processes and standards. 3. Verifying the accuracy and completeness of credit information provided. Risk Management 1. Identifying and analyzing credit risks specific to the state's market and economic conditions. 2. Developing and implementing strategies to mitigate identified risks effectively. 3. Monitoring state-specific credit risk indicators and taking proactive measures Regulatory Compliance 1. Ensuring compliance with state-level regulatory requirements and internal policies. 2. Keeping updated with changes in state-specific regulations affecting credit operations. 3. Updating credit policies and procedures to ensure alignment with state regulations. Portfolio Oversight 1. Monitoring the performance of the loan portfolio within the state. 2. Analyzing trends and identifying areas for portfolio optimization. Implementing strategies to maintain portfolio quality and profitability at the state level. Collaboration and Communication 1. Collaborating with regional and local teams to align credit strategies with state objectives. 2. Communicating credit decisions, policies, and updates effectively to stakeholders within the state. 3. Providing support and guidance to branches and regional teams on credit-related matters. Process Improvement 1. Identifying opportunities to enhance credit processes and streamline operations within the state. 2. Implementing changes to improve the efficiency and effectiveness of credit evaluation and approval processes. 3. Promoting a culture of continuous improvement within the state credit department.

KMBL - Corporate - Support Services-Credit RoleCredit Manager |GradeM7/M8| LocationMumbai Job role Handling a team of credit analysts Prioritization of proposals in consultation with business team Guide the team of credit analysts to write better quality notes and effective monitoring Vetting of Credit Appraisal notes prepared by credit analysts Discuss with senior members of business team on Terms and Conditions for risk assessments/ structuring of the proposal, transaction Assist the credit analysts to formulate credit recommendation in the note. Closely monitoring of portfolio along with team of credit analysts Escalate with action plan for non-compliances and early warning signals Meeting the clients on regular basis to know the updates Networking within various departments of the bank/ taking reference checks from other banks Job req Experience required for the JobAt least 10+ years in Credit Underwriting. CA / MBA Good understanding of Accounting Standards, Balance Sheet Analysis. Knowledge of RBI regulations, SEBI and other statutory bodies requirements. Good interaction and communication ability. Excellent verbal, written communication & presentation skills.

Roles and Responsibilities Conduct credit appraisal and evaluation of proposals to assess creditworthiness of borrowers. Review financial statements, cash flow analysis, and other relevant documents to determine loan eligibility. Identify potential risks and develop strategies to mitigate them during the lending process. Collaborate with internal teams to ensure seamless execution of credit decisions. Stay updated on industry trends and regulatory requirements to maintain compliance. Desired Candidate Profile 2-7 years of experience in Credit Underwriting or related field (NBFC). Strong understanding of credit analysis, credit appraisal, credit evaluation, and risk assessment principles. Proficiency in reviewing financial statements, cash flow analysis, and other relevant documents for loan eligibility determination. CA fresher can apply. Interested candidates can share their updated cv on tushar.ravalji@aavas.in or call on 9057409096

Roles and Responsibilities Conduct thorough credit assessments of borrowers to determine their creditworthiness. Review financial statements, industry trends, and other relevant data to evaluate borrower credit risk. Develop and maintain relationships with key stakeholders, including clients and internal teams. Identify potential risks and develop strategies to mitigate them through effective communication with customers. Ensure compliance with regulatory requirements and company policies. Desired Candidate Profile 1-6 years of experience in credit appraisal or related field (credit underwriting). Strong understanding of home loan credit products and processes. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while meeting deadlines.

What role you will play in team Supporting senior underwriters in the assessment of loan applications for various financial products What you will do Analyze financial data conduct credit checks and prepare reports to assist in credit decision making Key responsibility Assist senior underwriters in evaluating loan applications Analyze financial statements credit reports and other relevant document s Conduct credit checks and verify applicant information Prepare detailed credit reports and risk assessments Contribute to the development and maintenance of underwriting guidelines Maintain accurate records of all underwriting activities Required Qualification and Skills Bachelor s degree in finance accounting or related field 1-2 years of experience in a financial services role Strong analytical and problem solving skills Excellent attention to detail and organizational skills Proficiency in Microsoft Office Suite Good understanding of credit risk management principles Benefits Included Competitive salary and benefits Professional growth opportunities Positive team environment Medical insurancePaid time offA Day in the Life Reviewing loan applications conducting credit checks analyzing financial data and preparing reports for senior underwriters

As a Credit Manager, you will be responsible for the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. Your duties will include analyzing risks and making decisions on loan requests, preparing Credit Appraisal Memos (CAM), reviewing credit history, and assessing technical and legal reports. You will also be required to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct field visits for hindsight, and engage in personal discussions with customers via tele/video/physical mediums. Additionally, you will be involved in audit clearance, processing files for disbursement, and overseeing the entire credit granting process. Ideal candidates for this role should have a minimum of 2 years of experience in credit management, with specific knowledge of LAP, Housing loans, and BL. The preferred educational qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills for this position include expertise in credit evaluation, loan processing, and risk analysis. This position offers a competitive salary ranging from 2 Lac 50 Thousand to 5 Lac per annum and falls under the industry of Financial Services, Banking, Investments, Insurance, Stock Market, and Loans. If you possess the required experience, qualifications, and skills for this role, we invite you to walk in for further discussions and assessments.,

Minimum experience in years – 2-4 years Exp in ratings, credit underwriting or policy related job role for Mid and Large Corporate segments in Rating agency, Bank, NBFC’s, Research & brokerage Mail cv at newagehr0101@gmail.com

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

To underwrite and manage the portfolio in assigned branch/location Responsibilities: Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third partiesTake ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems Exceed service quality standards and strive for continuous process improvementUndertake 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.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.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 & policiesManage 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. Educational Qualification: Post Graduate/ Graduate in any discipline Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Evaluate creditworthiness and process loan applications Oversee credit monitoring, borrower ratings, and compliance filings Manage loan documentation, disbursal, and inter-lender coordination Ensure alignment with ROC/CERSAI requirements Required Candidate profile Provide regular reporting to regulatory bodies and internal teams Recommend policy enhancements and explore new loan structures

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.

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.

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.

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.

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations. Location : - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

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. Location : - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

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.

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. Location : - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

About The Role Location Credit Manager-Agri Business Group (ABG)-Credit Grade-M5 Above Function- Agri credit Role location Credit manager Max age limit- 25 + Experience- CA 1 years; Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.