Posted:1 day ago|
Platform:
Work from Office
Full Time
• Appraise/Underwrite the loans within defined policy guidelines and accordingly recommend to appropriate authority for approval.
• Thorough checking of the application file as per the laid down policy/process guidelines
• Assess the income, ability, intention and credit behaviour of the applicant and verify documents and reference checks, bureau checks, along with the customer due diligence
• Understanding the nature of business of the applicant(s), identifying risk associated and ascertaining the revenue stream
• Evaluate all the credit risk parameters and implement measures to mitigate the same
• Prepare the credit approval memo and manage the overall TAT and approval rate. Credit Monitoring
• Ensure strict adherence to the laid down policy and process
• Ensure portfolio quality
• Periodic monitoring of Exception approvals/Reject analysis and inference.
• Ensure Credit Quality and maintain the Credit Cost under control
• Identify and assess all types of possible risks in proposals
• Detailed credit appraisal to ensure aging within limits
• Timely response of credit appraisal
• Study different industry segments to suggest new focus areas
Mahindra Finance
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