Job
Description
As an Underwriter at our company, your primary objective is to underwrite and manage the portfolio in the assigned branch/location. You will be responsible for reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. Your major deliverables include: - Underwriting proposals in accordance with the laid down policies and procedures to meet the agreed service level agreements (SLAs) and manage city/area business volumes. - Conducting personal discussions with customers to evaluate their creditworthiness, ensuring completion of credit/KYC documents, and performing verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, understanding the rationale behind the calculation of ratios, and evaluating 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, utilizing industry knowledge and experience to solve problems, and exceeding service quality standards. - Reviewing credit proposals critically to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to support the approving authority in decision-making. - Facilitating quick turnaround time of credit lending proposals in collaboration with the sales team. - Conducting ongoing reviews of credit exposures to ensure their bankability. - Monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phase, taking steps for risk mitigation when necessary, and ensuring compliance with legal and documentation norms. - Managing the credit underwriting function of the branch and facilitating quick turnaround of credit lending proposals in coordination with local credit analysts and the sales team. Your educational qualification should be a Post Graduate or Graduate in any discipline. Join us to be a part of a dynamic team where your expertise in underwriting and credit risk management will play a crucial role in driving the business forward. As an Underwriter at our company, your primary objective is to underwrite and manage the portfolio in the assigned branch/location. You will be responsible for reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. Your major deliverables include: - Underwriting proposals in accordance with the laid down policies and procedures to meet the agreed service level agreements (SLAs) and manage city/area business volumes. - Conducting personal discussions with customers to evaluate their creditworthiness, ensuring completion of credit/KYC documents, and performing verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, understanding the rationale behind the calculation of ratios, and evaluating 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, utilizing industry knowledge and experience to solve problems, and exceeding service quality standards. - Reviewing credit proposals critically to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to support the approving authority in decision-making. - Facilitating quick turnaround time of credit lending proposals in collaboration with the sales team. - Conducting ongoing reviews of credit exposures to ensure their bankability. - Monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phase, taking steps for risk mitigation when necessary, and ensuring compliance with legal and documentation norms. - Managing the credit underwriting function of the branch and facilitating quick turnaround of credit lending proposals in coordination with local credit analysts and the sales team. Your educational qualification should be a Post Graduate or Graduate in any discipline. Join us to be a part of a dynamic team where your expertise in underwriting and credit risk management will play a crucial role in driving the business forward.
