Job
Description
In this role, you will be responsible for underwriting and managing the portfolio in the assigned branch/location. Your key responsibilities will include: - Reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending for approval to higher authorities. - Underwriting proposals as per the laid down policies & procedures to honor the agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, 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 the calculation of ratios, and understanding their impact on loan performance during the loan tenure. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly reporting the same. - Building and facilitating the best outcomes for clients by establishing and leveraging effective relationships with third parties. - Taking ownership of client queries, using industry knowledge and experience to overcome challenges, and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate the approving authority in making decisions on credit proposals. - Enabling quick turnaround time of credit lending proposals for the business in close liaison with the sales team. - Undertaking ongoing reviews of credit exposures to ensure they remain bankable. - Facilitating critical review and documentation of proposals, effectively monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phase, and taking steps for risk mitigation when required while ensuring adherence to legal & documentation norms & policies. - Managing the credit underwriting function of your branch and facilitating quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Educational Qualifications: - Post Graduate/ Graduate in any discipline In this role, you will be responsible for underwriting and managing the portfolio in the assigned branch/location. Your key responsibilities will include: - Reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending for approval to higher authorities. - Underwriting proposals as per the laid down policies & procedures to honor the agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, 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 the calculation of ratios, and understanding their impact on loan performance during the loan tenure. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly reporting the same. - Building and facilitating the best outcomes for clients by establishing and leveraging effective relationships with third parties. - Taking ownership of client queries, using industry knowledge and experience to overcome challenges, and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate the approving authority in making decisions on credit proposals. - Enabling quick turnaround time of credit lending proposals for the business in close liaison with the sales team. - Undertaking ongoing reviews of credit exposures to ensure they remain bankable. - Facilitating critical review and documentation of proposals, effectively monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phase, and taking steps for risk mitigation when required while ensuring adherence to legal & documentation norms & policies. - Managing the credit underwriting function of your branch and facilitating quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Educational Qualifications: - Post Graduate/ Graduate in any discipline
