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2846 Credit Underwriting Jobs

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6.0 - 11.0 years

8 - 13 Lacs

chennai

Work from Office

Key Responsibilities: To give effective credit support for meeting business targets. To frame the lending policy framework, processes, and workflow, and assist in setting up the mortgages business in India. To approve credit applications judiciously as per the Delegation of Authority (DOA). Ensuring that the quality of the Bank s exposure in India is acceptable at all times. Provide guidance to the team of relationship managers on areas of policy and processes. Expected productivity is 15 to 20 Project Deliverables (PDs), which consist of around 50 to 60 visits. Requirements: 6+ years of experience in Credit Underwriting with an overall experience of 10 years. Underwriting skills in Financia...

Posted 9 hours ago

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2.0 - 7.0 years

3 - 7 Lacs

wardha

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 7 Lacs

amravati

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Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 7 Lacs

sangli

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 7 Lacs

belgaum

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 6 Lacs

sangli

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 6 Lacs

amravati

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

1 - 5 Lacs

amravati

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

1 - 5 Lacs

sangamner

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

1 - 5 Lacs

belgaum

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 6 Lacs

wardha

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

1 - 5 Lacs

sangli

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

3 - 6 Lacs

sangamner

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

1 - 5 Lacs

pune

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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2.0 - 7.0 years

1 - 5 Lacs

wardha

Work from Office

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

Posted 11 hours ago

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4.0 - 6.0 years

4 - 5 Lacs

rasipuram, tiruchengode, omalur

Work from Office

Roles and Responsibilities * Manage credit underwriting and appraisal processes for mortgage loans against property (LAP) and loans against property (LAP). * Conduct thorough credit analysis, including financial statement review, cash flow analysis, and collateral valuation. * Develop and maintain relationships with clients to understand their financial goals and provide tailored credit solutions. Desired Candidate Profile * 4-6 years of experience in credit underwriting or a related field. * Strong understanding of mortgage underwriting principles, including LAP products. * Excellent analytical skills with the ability to interpret financial statements and cash flows. * Proficiency in using ...

Posted 11 hours ago

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4.0 - 8.0 years

12 - 15 Lacs

ahmedabad

Work from Office

Job Summary We are seeking a Credit Manager to support our financial services team in managing day-to-day credit risk processes. The role will focus on assessing customer creditworthiness, implementing company credit policies, and ensuring smooth credit operations while balancing growth and risk. The Credit Manager will work with senior management and cross-functional teams to ensure effective decision-making and compliance with guidelines. Key Responsibilities Credit Assessment: Review credit applications, analyze financial statements, and prepare recommendations for approvals within policy limits. Portfolio Monitoring: Track portfolio performance, flag early warning accounts, and support e...

Posted 11 hours ago

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0.0 - 1.0 years

0 Lacs

gurugram

Work from Office

Excellent analytical skills and ability to interpret financial statements Knowledge of credit management and ability to analyze credit reports and conduct credit investigations Strong communication skills with the ability to present findings clearly and succinctly Understanding of finance and accounting principles Ability to work independently and in a team Bachelor's or Master's degree in Finance, Accounting, Economics, Business Administration, or related field Stipend - 15000-/PM

Posted 12 hours ago

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4.0 - 7.0 years

2 - 4 Lacs

navi mumbai, maharashtra, india

On-site

Job description A leading banking client is seeking an experienced Credit Risk Analyst Senior Officer for their Navi Mumbai location. The successful candidate will be responsible for corporate rating, dealing with corporates, credit risk, credit underwriting, credit rating, document verification and more. Requirements: Bachelor's or Master's degree in Commerce, CA, CAIIB, FRM or MBA (Finance) 4-7 years of relevant work experience Good understanding of credit risk and credit underwriting Excellent accounting knowledge Excellent understanding of banking products Strong verbal and written communication skills Highly collaborative with strong teamwork skills Exceptional multitasking and time man...

Posted 14 hours ago

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2.0 - 7.0 years

3 - 8 Lacs

chennai

Work from Office

We are hiring candidates for below two roles from banking and commercial real estate domain. 1. Commercial Underwriting Role & responsibilities : 1. The role requires a good understanding of credit analysis, creditworthiness, underwriting, third party report validation of commercial property, commercial lending, financial analysis, asset evaluation, and income calculation; analysis of property inspection reports, rent rolls, operating statement and preparation of letters based on the regulatory requirements; analysis of proof of payments, invoices, disbursement form, lien waivers & schedules. 2. Expertise in commercial real estate underwriting or commercial underwriting is a must. 2. Commerc...

Posted 15 hours ago

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10.0 - 14.0 years

0 Lacs

maharashtra

On-site

Role Overview: As a Credit Manager in Wholesale Banking based in Mumbai, you will be responsible for leading a team of credit analysts. Your main duties will include prioritizing proposals in collaboration with the business team, guiding credit analysts to produce high-quality notes and effective monitoring, vetting Credit Appraisal notes, discussing risk assessments and structuring with senior business members, assisting in formulating credit recommendations, closely monitoring portfolios, and developing action plans for non-compliances and early warning signals. Additionally, you will meet clients regularly to stay updated, network within the bank, and seek reference checks from other bank...

Posted 18 hours ago

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7.0 - 11.0 years

0 Lacs

maharashtra

On-site

Role Overview: As a Credit Analyst, your main responsibility will be to source and structure large-ticket credit proposals such as Working Capital, Term Loans, and Project Loans of 10 Crore and above. You will identify and activate corporate sourcing channels and large-value business opportunities. Additionally, you will conduct in-depth financial analysis, credit appraisal, and balance sheet evaluation for mid-sized and prime clients. Key Responsibilities: - Source and structure large-ticket credit proposals like Working Capital, Term Loans, and Project Loans of 10 Crore and above. - Identify and activate corporate sourcing channels and large-value business opportunities. - Conduct in-depth...

Posted 22 hours ago

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5.0 - 9.0 years

0 Lacs

maharashtra

On-site

As an Area Credit Manager at EQF, your role involves ensuring robust credit underwriting, monitoring delinquencies, and improving market intelligence. You will be responsible for preparing credit notes, conducting client visits, and analyzing transaction risks. Identifying automation opportunities, reducing audit queries, and staying updated on market practices are crucial to support well-informed decision-making. Your key responsibilities will include: - Amending credit notes and financial models - Interacting with collections and sales teams for delinquency tracking - Meeting customers to understand industry and market dynamics - Ensuring accuracy in credit notes and financial models - Reg...

Posted 1 day ago

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1.0 - 6.0 years

3 - 5 Lacs

new delhi, gurugram, delhi / ncr

Work from Office

Location: Gurgaon Cyber city Night Shift - 8:30 pm - 6.00 am Preference only male About the Employer: A leading pure-play credit card issuer in India , offering a wide range of credit cards to cater to diverse customer needs. The organization is constantly innovating to meet the evolving financial needs of customers and empowers them with seamless digital payment experiences. We are committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect. Whats in it for You: Work-life balance & wellness programs Robust rewards & recognition policies Dynamic, inclusive, and diverse team culture Inclusive health benefits (Medical Insurance, Pe...

Posted 2 days ago

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0.0 years

0 Lacs

kavali, andhra pradesh

On-site

. The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. . . Key Responsibilities: . . Business Development: . o Source new clients through market visits, channel partners, and referrals. . o Promote LAP and affordable home loan products in the assigned territory. . o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. . . Customer Relati...

Posted 2 days ago

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Exploring Credit Underwriting Jobs in India

The credit underwriting job market in India is experiencing a steady growth as financial institutions and lending companies continue to expand their operations. Credit underwriting professionals play a crucial role in assessing the creditworthiness of individuals and businesses applying for loans or credit. If you are considering a career in credit underwriting in India, this guide will provide you with valuable insights into the job market, salary range, career progression, related skills, and common interview questions.

Top Hiring Locations in India

Here are 5 major cities in India actively hiring for credit underwriting roles: 1. Mumbai 2. Delhi 3. Bangalore 4. Chennai 5. Pune

Average Salary Range

The average salary range for credit underwriting professionals in India varies based on experience levels. Entry-level positions may start at around INR 3-5 lakhs per annum, while experienced professionals can earn upwards of INR 10-15 lakhs per annum.

Career Path

A typical career progression in credit underwriting may include roles such as Credit Analyst, Senior Credit Analyst, Credit Underwriter, Credit Manager, and eventually Chief Credit Officer or Head of Credit Risk.

Related Skills

In addition to credit underwriting expertise, professionals in this field are often expected to have skills such as financial analysis, risk management, attention to detail, strong communication skills, and proficiency in financial software tools.

Interview Questions

Here are 25 interview questions for credit underwriting roles:

  • What factors do you consider when assessing a borrower's creditworthiness? (medium)
  • How do you evaluate the credit risk of a loan applicant? (medium)
  • Can you explain the difference between credit underwriting and credit scoring? (basic)
  • How do you stay updated on changes in lending regulations and policies? (basic)
  • Describe a challenging credit underwriting case you handled and how you resolved it. (medium)
  • What methods do you use to verify a borrower's financial information? (medium)
  • How do you handle situations where a borrower has a low credit score? (medium)
  • What role does collateral play in the credit underwriting process? (basic)
  • How do you communicate credit decisions to loan applicants? (basic)
  • Describe a time when you had to work under pressure to meet a tight deadline in credit underwriting. (medium)
  • How do you assess the financial stability of a business applying for credit? (medium)
  • What are the key indicators of potential credit risk in a loan application? (medium)
  • How do you ensure compliance with lending regulations in your credit underwriting process? (medium)
  • Can you walk us through your experience with credit analysis software or tools? (basic)
  • How do you prioritize and manage multiple credit underwriting tasks simultaneously? (medium)
  • What steps do you take to mitigate credit risk in your underwriting decisions? (medium)
  • How do you explain complex credit terms and concepts to clients or colleagues? (medium)
  • What measures do you take to ensure the confidentiality of sensitive financial information in credit underwriting? (basic)
  • How do you handle disagreements with team members or supervisors in credit underwriting decisions? (medium)
  • What do you think are the biggest challenges facing credit underwriters in the current economic environment? (advanced)
  • How do you adapt your credit underwriting approach for different types of loans or credit products? (medium)
  • Can you discuss a time when you had to decline a loan application and explain your rationale to the applicant? (medium)
  • How do you assess the creditworthiness of a borrower with limited credit history? (medium)
  • What strategies do you use to monitor and review the credit performance of existing borrowers over time? (medium)
  • How do you see the role of technology and automation impacting the future of credit underwriting? (advanced)

Conclusion

As you explore opportunities in credit underwriting in India, it is essential to not only possess the necessary skills and knowledge but also to be prepared for the challenges and responsibilities that come with the role. By understanding the job market, salary expectations, career progression, related skills, and common interview questions, you can confidently pursue a successful career in credit underwriting. Prepare diligently, showcase your expertise, and seize the opportunities that come your way. Good luck in your job search!

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