Job
Description
As a Credit Underwriter, you will be responsible for reviewing and assessing a broad range of complex loan applications within defined guidelines. Your key responsibilities will include: - Underwriting proposals according to laid down policies and procedures to meet agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents, and performing verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios with in-depth knowledge of the calculation of ratios and their impact on loan performance. - Maintaining Portfolio MIS, Delinquency MIS, and other operational 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, utilizing industry knowledge and experience to overcome challenges and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation measures are in place for approving authorities to make informed decisions. - Enabling quick turnaround time of credit lending proposals in close collaboration with the sales team. - Conducting ongoing reviews of credit exposures to maintain bankable levels. - Facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases. - Managing the credit underwriting function of the branch and ensuring quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team. Educational Qualification: - Post Graduate/ Graduate in any discipline. As a Credit Underwriter, you will be responsible for reviewing and assessing a broad range of complex loan applications within defined guidelines. Your key responsibilities will include: - Underwriting proposals according to laid down policies and procedures to meet agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents, and performing verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios with in-depth knowledge of the calculation of ratios and their impact on loan performance. - Maintaining Portfolio MIS, Delinquency MIS, and other operational 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, utilizing industry knowledge and experience to overcome challenges and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation measures are in place for approving authorities to make informed decisions. - Enabling quick turnaround time of credit lending proposals in close collaboration with the sales team. - Conducting ongoing reviews of credit exposures to maintain bankable levels. - Facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases. - Managing the credit underwriting function of the branch and ensuring quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team. Educational Qualification: - Post Graduate/ Graduate in any discipline.
