Job
Description
As an Underwriter and Portfolio Manager in the assigned branch/location, your role involves reviewing and assessing a broad range of complex loan applications within defined guidelines. You will be responsible for making decisions or recommending approvals to higher authorities. Your key responsibilities include: - Underwriting proposals according to laid down policies & procedures to honor agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish credit worthiness, ensuring completion of credit/KYC documents, and verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, having in-depth knowledge of the rationale behind ratio calculations, and understanding their impact on loan performance during the tenure. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and providing regular reports. - Building and leveraging effective relationships with third parties to achieve the best outcomes for clients. - Taking ownership of client queries, using industry knowledge and experience to overcome challenges, and solving problems. - Striving to exceed service quality standards and continuously improve processes. - Undertaking critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate decision-making by the approving authority. - Enabling quick turnaround time of credit lending proposals in collaboration with the sales team. - Conducting ongoing reviews of credit exposures to maintain their bankability. - Facilitating critical review and documentation of proposals, monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when necessary, while ensuring adherence to legal & documentation norms & policies. - Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in liaison with local credit analysts and the sales team. Qualifications required for this role include a Post Graduate/Graduate degree in any discipline. As an Underwriter and Portfolio Manager in the assigned branch/location, your role involves reviewing and assessing a broad range of complex loan applications within defined guidelines. You will be responsible for making decisions or recommending approvals to higher authorities. Your key responsibilities include: - Underwriting proposals according to laid down policies & procedures to honor agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish credit worthiness, ensuring completion of credit/KYC documents, and verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, having in-depth knowledge of the rationale behind ratio calculations, and understanding their impact on loan performance during the tenure. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and providing regular reports. - Building and leveraging effective relationships with third parties to achieve the best outcomes for clients. - Taking ownership of client queries, using industry knowledge and experience to overcome challenges, and solving problems. - Striving to exceed service quality standards and continuously improve processes. - Undertaking critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate decision-making by the approving authority. - Enabling quick turnaround time of credit lending proposals in collaboration with the sales team. - Conducting ongoing reviews of credit exposures to maintain their bankability. - Facilitating critical review and documentation of proposals, monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when necessary, while ensuring adherence to legal & documentation norms & policies. - Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in liaison with local credit analysts and the sales team. Qualifications required for this role include a Post Graduate/Graduate degree in any discipline.
