336 Credit Monitoring Jobs - Page 3

Underwriting experience in Loan, preferably Unsecured Loans. Doing personal discussion with borrower. Preparing CAM (Credit Assessment Memo), ensuring proper and correct information. Checking and appraising proposals, scrutinizing documents including SOA analysis, CIBIL analysis, ensuring proper KYC etc before assigning any application to Lender with proper TAT and quality. Primary assessment & analysis of reasons of non-starter cases. Basic Financial Knowledge of Balance sheet and Profit & Loss A/c.

Perpetuity Capital is looking for CREDIT MANAGER to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Perpetuity Capital is looking for CREDIT OFFICER to join our dynamic team and embark on a rewarding career journey Officer plays a crucial role in the organization, responsible for overseeing and executing various tasks and projects to ensure the smooth functioning of operations This role requires strong leadership, analytical skills, and the ability to collaborate effectively with team members and stakeholders Key Responsibilities :Leadership:Provide leadership and guidance to team members, fostering a positive work environment Lead by example, demonstrating professionalism, integrity, and dedication to the organization's goals and values Project Management:Manage and coordinate projects from initiation to completion, ensuring adherence to timelines and budget constraints Develop project plans, allocate resources, and monitor progress to achieve project objectives Identify and mitigate risks to project success, implementing appropriate solutions as needed Operational Efficiency:Streamline processes and procedures to improve operational efficiency and effectiveness Identify opportunities for automation or technological enhancements to optimize workflow and productivity Collaborate with cross-functional teams to implement process improvements and best practices Data Analysis and Reporting:Analyze data to identify trends, patterns, and insights relevant to the organization's objectives Generate reports and presentations to communicate findings and recommendations to key stakeholders Utilize data-driven insights to inform decision-making and drive continuous improvement initiatives Stakeholder Engagement:Build and maintain relationships with internal and external stakeholders, including clients, partners, and vendors Collaborate with stakeholders to understand their needs and requirements, ensuring alignment with organizational objectives Effectively communicate project updates, issues, and resolutions to stakeholders, fostering transparency and trust Compliance and Risk Management:Ensure compliance with relevant laws, regulations, and internal policies and procedures Proactively identify and address potential risks and compliance issues, implementing appropriate controls and safeguards Keep abreast of industry developments and best practices to inform risk management strategies

detailed credit analysis of potential borrowers, including assessment of financial statements Portfolio Monitoring Monitoring for Financial Ratio Completeness: troubleshooting and investigation Analyzing cash flow models. Credit Analysis Required Candidate profile Minimum 4 years experience in investment management including Credit Research Strong analytical and problem-solving skills, with proficiency in financial modeling and valuation.

Requisition Id : 1626743 As a global leader in assurance, tax, transaction and advisory services, we hire and develop the most passionate people in their field to help build a better working world. This starts with a culture that believes in giving you the training, opportunities and creative freedom. At EY, we don't just focus on who you are now, but who you can become. We believe that it's your career and It's yours to build which means potential here is limitless and we'll provide you with motivating and fulfilling experiences throughout your career to help you on the path to becoming your best professional self. The opportunity : Director-National-SaT-SaT - TCF - Capital and Debt Advisory - Mumbai SaT - TCF - Capital and Debt Advisory : Strategy and Transactions enables clients to reimagine ecosystems, reshape portfolios and reinvent for a better future. Using our Capital Agenda framework, we work with clients to find answers to today's toughest strategic, financial, operational and commercial questions. We help corporates, private equity, governments, sovereign wealth funds, private and family businesses, and educational institutions with their key financial issues. From portfolio review and capital allocation processes to financial planning analytics and decision support, we have the people, analytics and tools to better allocate capital. Our team helps clients manage their risk/return trade-offs to support them with better decision-making around financing and capital efficiency. Whether clients are preserving, optimizing, raising or investing, our Connected Capital Solutions (CCS) are our five go-to-market offerings that help drive competitive advantage and increased returns through improved decision-making. The CCS include Strategy, Corporate Finance, Buy and Integrate, Sell and Separate and Reshaping Results, and are underpinned by our Connected Capital Technologies. Our key focus areas are - Investment Banking Advisory, Valuations, Modeling and Economics, Transaction Diligence, Restructuring and Turnaround Services, Project Finance and infrastructure, EY Parthenon - Strategy and EY Parthenon - Execution. Your key responsibilities Technical Excellence . Building relationships with key corporate groups, lenders and financial sponsors, ARC's, legal advisors and other participants in the stressed assets space . Analyzing the financial and operational positioning of stressed corporates to proactively generate leads for opportunities . Building a healthy pipeline of opportunities and mandates in the specific areas related to, Insolvency and Bankruptcy Code, debt restructuring across various sectors especially those witnessing high levels of stressed assets (infrastructure, metals, real estate, telecom, highways etc.) . Coordinating pitch presentations to obtain new mandates from lenders and investors . Lead execution of transactions including day to day management and Project management and monitoring a team of [Managers] and Associates . Business Modeling and Plan Development and an ability to analyze and envisage new / key sector trends . Financial Modeling and Analysis - developing materials including Information, Memorandum, financial model, presentations, resolution plans including preparation of rectification/restructuring/SDR package-based business plans. . Coordinating and managing due diligence process in a transaction . Work with legal advisor for finalization of transaction documentation including term sheets (non-binding / binding) and definitive transaction agreements . Keep abreast of new developments in the profession, the business, the industry and the regulatory environment, including Insolvency regulation and developments in the restructuring space . Credit monitoring of clients, review of operational and financial performance, cash flows, etc. to proactively suggest strategic options including JV / partnerships, acquisitions or divestitures . Synergizing with lenders, restructuring agencies, auditors, LIEs, valuation agencies . Coordinating and managing the financial, tax, commercial and operational due diligence process in a transaction . Provide inputs for group business plan and future direction of the practice . Evaluate economic and legal risks to the Firm arising out of engagements, consult and adopt suitable risk management practices . Keep abreast of new developments in the profession, the business, the industry and the regulatory environment Skills and attributes To qualify for the role you must have Qualification MBA from a premier institute (Tier-I Indian B-school) with experience in transaction advisory, commercial due diligence, and strategy verticals will be preferred Experience . 10+ years of relevant post-qualification experience . Preferred - Investment Banks, M&A teams of large Banks, NBFCs or Insurance companies and have successfully closed deals, Private Equity / Venture Capital firms What we look for People with the ability to work in a collaborative manner to provide services across multiple client departments while following the commercial and legal requirements. You will need a practical approach to solving issues and complex problems with the ability to deliver insightful and practical solutions. We look for people who are agile, curious, mindful and able to sustain postivie energy, while being adaptable and creative in their approach. What we offer With more than 200,000 clients, 300,000 people globally and 33,000 people in India, EY has become the strongest brand and the most attractive employer in our field, with market-leading growth over compete. Our people work side-by-side with market-leading entrepreneurs, game- changers, disruptors and visionaries. As an organisation, we are investing more time, technology and money, than ever before in skills and learning for our people. At EY, you will have a personalized Career Journey and also the chance to tap into the resources of our career frameworks to better know about your roles, skills and opportunities. EY is equally committed to being an inclusive employer and we strive to achieve the right balance for our people - enabling us to deliver excellent client service whilst allowing our people to build their career as well as focus on their wellbeing. If you can confidently demonstrate that you meet the criteria above, please contact us as soon as possible. Join us in building a better working world. Apply now.

Roles and Responsibilities Purpose of the role: Support and co-partner with the sales team to underwrite CF business and manage the portfolio for the assigned area. Key Responsibilities: Manage credit underwriting function for corporate realty and funding group business for the assigned portfolio. Conduct periodic review of all existing policies, guidelines, and processes to ensure updation on lines of external environment, organization needs and regulatory framework Evaluate the financial status of the borrower assess the credit worthiness of the companies by analyzing financial data like balance sheet, profit and loss account, cash flow statements and annual reports, for credit decision purpose. Analyze the legal, compliance and market-risk-related issues involved in the lending process. Ensure collection of post disbursal docs reduction in partly disbursed cases. Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level.Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Desired Candidate Profile Desired Experience : 8-10 years Perks and Benefits

We are looking for a Credit Manager to oversee credit operations, assess client creditworthiness, implement policies, manage accounts receivable, minimize financial risk, and collaborate with teams to ensure timely collections and financial stability Required Candidate profile Analytical and proactive professional with strong financial acumen, skilled in credit assessment, risk management, accounts receivable, reporting, and effective team and client collaboration.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Position Purpose This role is responsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth. Responsibilities To be referred to the Credit Analyst Charter and Mission Statement. Direct Responsibilities Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks. Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analysts judgment. Ensure that annual review / transactions deadlines are met. Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files. Communicate reliably and professionally with both internal and external clients. Liaison with different mtiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role) Monitor clients credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution. Contributing Responsibilities Presentation of credit proposals to local credit committees. Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit. Participation in discussions and on potential deals. Keep updated on credit policies / methodologies contribution to relevant credit projects (tools, process, methodologies including participation to tests). To contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes. Supporting team members to maximize the efficiency and effectiveness of the team. Assist the Head and team Lead of CTCM on ad hoc basis as required. Provide back-up on tasks performed by CTCM team when necessary. Contribute to the Permanent Control framework. Compliance Being aware of the regulatory environment. Ensure compliance with regulatory mechanisms and compliance of credit process with the same. Support in responding on credit-related matters from the regulators / internal auditors. Technical & Behavioral Competencies Technical: Ability to analyze financial statements. Credit Appraisal - Identification of risk areas Ability to correlate credit risk with transaction risk. Industry and product knowledge Risk evaluation and monitoring Compliance with Internal Policies, Procedures, Guidelines, etc. Writing skills Advanced knowledge of Microsoft Office Behavioral: Analytical & Multi-Tasking skills Organizing and control of work. Detail orientation Adaptability Ability to work under pressure. Good interpersonal, presentation & communication skills Ability to collaborate / team work Good judgement, independent and creative thinking, able to express views and ideas. Specific Qualifications (if required) Credit Appraisal Skills Referential Behavioural Skills: (Please select up to 4 skills) Attention to detail / rigor Ability to deliver / Results driven Ability to collaborate / Teamwork Adaptability Transversal Skills: (Please select up to 5 skills) Analytical Ability Ability to manage a project Ability to develop others & improve their skills Ability to develop and leverage networks Ability to manage / facilitate a meeting, seminar, committee, training Education Level: Bachelor Degree or equivalent Experience Level At least 7 years .

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Role : Credit Manager for Business Loans Responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies. They analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution. Key Responsibilities: Credit Assessment: Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness. Risk Analysis: Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms. Loan Approval: Approving or rejecting loan applications based on creditworthiness and adherence to company policies. Credit Limit Determination: Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile. Interest Rate Determination: Determining interest rates for loans based on factors like credit risk, market conditions, and company policies. Loan Documentation: Ensuring the accuracy and completeness of all loan documentation, including loan agreements, security documents, and other relevant paperwork. Credit Monitoring: Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks. Relationship Management: Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals. Reporting: Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

What you will work on: Oversee the company's credit policies, procedures and processes related to SCF and HVC business, ensuring all risks are addressed appropriately through evaluation and developing required risk frameworks. Directly responsible for the credit quality and risk performance of the company and the SCF and HVC businesses. Develop and review Early Warning System (EWS) reports. Periodic review of portfolio in accordance with current Industry scenario and recent RBI Circular, making amendments to Policy accordingly. Keeping a tab on external economic environment, regulatory policies and competition with a view to ensure strong business growth. Ensuring system automation for improving team efficiency and productivity. Using data analytics to develop insights into credit risk trends, identify emerging risks, and optimize credit risk management strategies. The ideal candidate: Highly driven and motivated individual with ability to get hands-on where required. Ability to communicate, present and influence all levels of the organization, including executive and C-levels. Ability to motivate and develop a strong team. Problem solving approach. Strong business acumen. Qualification and Experience 7+ years' experience required in the credit/risk department related to supply chain financing and/ or wholesale corporate lending. Masters degree (MBA preferred) from a reputed institute or a CA/CFA degree with relevant experience. Strong understanding of operational, legal and credit risk across the full range of industries. Should have experience in unsecured and financial based credit assessment

Tata Capital Ltd is looking for Manager - Credit - Housing - DM to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Key Deliverables: Monitor and manage the Emerging Corporate Division's credit portfolio Provide ongoing analysis of business performance, comparing actual outcomes with projections Engage with business and client teams to address discrepancies and formulate corrective action plans Generate and present comprehensive reports on portfolio performance and risk profiles Role Responsibilities: Establish and maintain communication with clients and strategic partners Collaborate with internal teams (Risk, Legal, Operations) to address portfolio challenges Proactively identify and evaluate risks within the credit portfolio Ensure adherence to Credit Monitoring Policy and refine monitoring procedures as needed

Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location: mumbai,delhi,pune,bangalore,hyderabad,chennai

Hi, Menka here from Onboard HRServices!! Inviting Female Applicants!! On Spot Opportunity! As Branch Credit Manager - HL/LAP Prime with Leading NBFC at Surat candidates can share CVS on menka@onboardhrservices and WhatsApp +91 8779790290

About The Role 10795 To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable)

About The Role To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable)

Role performed by credit analyst: Review of credit applications & supporting documents (overall financial capacity and capability to pay back) Credit report (recommendation on whether to approve/decline the credit application) Present credit report to internal committee. Requisite of an Individual Contributor: Credit underwriting / Credit risk analysis; Quality Focused and has performed quality and data analytics function. Ability to interpret and highlight risks and early warning signals. Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc. Ability to weigh macro and company factors for risk analysis and recommendations. Applications: Tool developed by Moody’s Risk Analysis, FIS Optimist, Credit Lens Spreadsheets of business entities (ratio analysis and financial modelling) Experience Required: Relevant experience in Corporate Banking, Financial Institutions and Commercial Banking – 4 to 8 years (Upto 12 years we can consider) Location: Bangalore Highest Qualifications: MBA and Professional Qualifications such as Chartered Accountant (CA), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA)

Location: Juinagar (Navi Mumbai) Experience Required: Minimum 5 years in NBFC Credit Underwriting Products : Commercial Vehicles Gender Preference: Male candidates only Languages: Kannada/Marwari/Telugu/Gujarati required. Key Responsibilities: Responsible for complete assessment of customers , including cross-verification and due diligence. Conduct ground-level understanding of various business profiles , especially of self-employed non-professionals , through available documents and evidences. Ensure underwriting decisions are taken within defined turnaround times (TAT) to meet business requirements. Provide clear and sound recommendations on proposals in line with company credit policy and risk parameters . Be proactive and decisive, with the ability to take ownership of decisions in the best interest of the organization. Conduct training sessions for the Sales and Credit teams on product features and credit policies. Engage in periodic portfolio reviews , including vendor assessments, early delinquency analysis, and delinquent customer evaluation. Monitor and analyze portfolio trends to mitigate, transfer, or reduce credit, operational, or fraud-related risks. Collaborate closely with internal stakeholders to ensure high-quality underwriting and portfolio health. Other Details: This is a centralized underwriting role , fully based out of the Juinagar office no branch visits required. The ideal candidate must possess a strong understanding of credit, collateral, operational, and fraud risks within the NBFC space. Candidates with strong communication and documentation skills in Kannada/Marwari/Telugu/Gujarati required.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Responsible for evaluating creditworthiness,financial risk associated with lending activities. Develop and implement credit risk models,rating systems,ensuring that the bank’s credit portfolio is managed within acceptable risk limits. HR-9921908588

Responsible for evaluating creditworthiness,financial risk associated with lending activities. Develop and implement credit risk models,rating systems,ensuring that the bank’s credit portfolio is managed within acceptable risk limits. HR-9921908588