1831 Credit Underwriting Jobs

You will be responsible for underwriting and managing the portfolio in the assigned branch/location. This will involve reviewing and assessing a broad range of complex loan applications within defined guidelines. Based on your assessment, you will need to make decisions or recommend them for approval to higher authorities. It is essential to underwrite proposals as per the laid-down policies and procedures to honor the agreed Service Level Agreements (SLAs) and manage city/area business volumes effectively. Personal discussions with customers are crucial to establish their creditworthiness. You will be required to ensure the completion of credit/KYC documents and conduct verifications through telephonic conversations, field visits, and collateral inspections. Having a deep understanding of income to obligation ratios is essential. You should be knowledgeable about the rationale behind the calculation of ratios and understand their impact on loan performance during the tenure. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operational MIS of the cluster will be part of your responsibilities. Regularly reporting on these MIS is important for monitoring and decision-making purposes. Building and leveraging effective relationships with third parties is key to achieving the best outcomes for clients. Taking ownership of client queries and using your industry knowledge and experience to overcome challenges and solve problems will be expected. You should aim to exceed service quality standards and continuously strive for process improvement. Critical review of credit proposals is essential to identify industry, business, financial, management, and facility structure risks. This information is crucial for the approving authority to make informed credit decisions. Ensuring collateral and other credit risk mitigation measures are in place is necessary to facilitate credit approvals. Quick turnaround time of credit lending proposals is vital for business success. Therefore, close coordination with the sales team is required. Ongoing review of credit exposures is necessary to ensure continued bankability. Facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness, and taking steps for risk mitigation are critical tasks. Adherence to legal and documentation norms and policies is a must. Managing the credit underwriting function of the branch and ensuring quick turnaround of credit lending proposals in liaison with local credit analysts and the sales team are also part of your responsibilities. Ideally, you should have a Post Graduate or Graduate degree in any discipline to excel in this role.,

As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage business portfolio in the assigned branch or location. Your primary duties will involve reviewing and assessing a variety of complex loan applications, making decisions within defined guidelines, and recommending approvals to higher authorities. It will be essential to underwrite proposals in accordance with established policies and procedures to meet agreed service level agreements and effectively manage business volumes in the city or area. You will conduct personal discussions with customers to evaluate their creditworthiness, ensure completion of credit and KYC documents, and verify information through telephonic communication, field visits, and collateral inspections. Additionally, you will analyze income to obligation ratios, loan to value ratios, and have a deep understanding of the rationale behind these calculations and their impact on loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster will be part of your responsibilities, along with providing regular reports. Building strong relationships with third parties to achieve favorable outcomes for clients, addressing client queries effectively, and striving for continuous improvement in service quality are key aspects of this role. You will critically review credit proposals, identifying industry, business, financial, management, and facility structure risks. Ensuring appropriate collateral and credit risk mitigation measures are in place to support decision-making by approving authorities is crucial. Collaborating closely with the sales team, you will work towards quick turnaround times for credit lending proposals related to mortgage business, including loans against property and home loans. Ongoing review of credit exposures, documentation of proposals, monitoring client and collateral creditworthiness, and risk mitigation efforts are integral parts of your responsibilities from pre-sanction to post-disbursement phases. Managing the credit underwriting function within your branch, coordinating with local credit analysts and the sales team, and ensuring timely recovery of outstanding cases are also part of your role. Ideally, you should hold a graduate or post-graduate degree, with certifications such as CA or MBA being preferable. Your expertise in underwriting mortgages and managing credit risks will be instrumental in driving the success of our business operations.,

As a Mortgage Underwriter, your primary responsibility will be to underwrite mortgage business and manage the portfolio in the assigned branch/location. You will review and assess a broad range of complex loan applications within defined guidelines, making decisions or recommending them for approval to higher authorities. It is essential to underwrite proposals in accordance with laid-down policies and procedures to meet agreed Service Level Agreements (SLAs) and effectively manage city/area business volumes. Conducting personal discussions with customers to determine creditworthiness, ensuring completion of credit/Know Your Customer (KYC) documents, and conducting verifications through telephonic, field visits, and collateral inspections will be part of your routine tasks. You will need to assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind these calculations and their impact on loan performance over extended tenures. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operational MIS of the cluster while regularly reporting on them will be crucial. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients, addressing client queries using industry knowledge and experience, and striving for continuous process improvement are also key aspects of this role. You will critically review credit proposals to identify industry, business, financial, management, and facility structure risks contained within them. Ensuring collateral and other credit risk mitigation measures are in place to facilitate approving authorities" decisions on credit proposals is vital. Collaborating closely with the sales team, you will enable quick turnaround time of credit lending proposals for the mortgage business, which includes loan against property and home loan business. Undertaking ongoing reviews of credit exposures to ensure their bankability, facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when necessary will be part of your responsibilities. Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in coordination with local credit analysts and the sales team, and following up to ensure recovery of quick mortality cases between 12 - 18 months of vintage will be key to success in this role. Ideally, you should hold a Graduate or Masters/Post Graduate qualification, with additional certifications such as CA or MBA being preferable for this position.,

As a Credit Manager, your primary responsibility will be to assess the creditworthiness of potential customers, make credit decisions, and set appropriate credit limits. You will be required to analyze financial data, evaluate credit reports, and communicate with clients to gather necessary information for credit assessment. Additionally, you will be responsible for monitoring and managing the credit limits of existing customers, reviewing credit terms, and ensuring compliance with company credit policies. You will need to collaborate with sales teams, finance departments, and other stakeholders to resolve credit issues and optimize credit processes. Furthermore, you will play a key role in minimizing credit risk by identifying potential delinquencies, implementing credit risk mitigation strategies, and recommending credit insurance or guarantees when necessary. Your attention to detail, strong analytical skills, and ability to make sound credit decisions will be crucial in this role. Overall, as a Credit Manager, you will be instrumental in maintaining a healthy credit portfolio, supporting business growth, and ensuring that credit operations are conducted efficiently and effectively.,

Qualifications: Any Graduation Years of Experience: 3 to 5 years You will be aligned to our Financial Services, banking, Insurance, and Capital Market vertical which is focused on helping clients with their tax preparations, insurance coverage, and investment portfolios. You will be working as a part of the Lending Operations team which prepares retail credit proposals, conducts pre-analysis, do dupe checks, data entry, customer point verifications (CPV), and review income documents in line with the client credit policy, procedures, and turnaround times. The Underwriting team focuses on raising investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. The role requires a good understanding of credit analysis, creditworthiness, credit underwriting, credit appraisal memo, commercial lending, financial analysis, asset evaluation, and income calculation. The role may also need expertise around residential underwriting, mortgage underwriting, government-sponsored loans, and pre-purchase review. What are we looking for We are looking for individuals who have the following skillset: Ability to establish strong client relationship Ability to handle disputes Ability to manage multiple stakeholders Roles and Responsibilities In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers withinbefore updating supervisors In this role you may have limited exposure with clients and/ormanagement You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a broad range of complex loan applications within defined guidelines. You will need to make decisions on loan applications or recommend them for approval to higher authorities. It is essential to underwrite proposals as per the laid down policies & procedures to meet agreed Service Level Agreements (SLAs) and manage city/area business volumes effectively. Your role will involve conducting personal discussions with customers to establish their creditworthiness. This includes ensuring the completion of credit/Know Your Customer (KYC) documents and verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind the calculation of these ratios and their impact on loan performance over long tenures. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operations-related MIS of the cluster will be part of your responsibilities. You will regularly report on these metrics. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is crucial. Addressing client queries, using industry knowledge and experience to overcome challenges, and striving for continuous process improvement are expectations from this role. You will be required to undertake a critical review of credit proposals, identifying industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation to facilitate decision-making on credit proposals is essential. Facilitating quick turnaround time of credit lending proposals for mortgage business, including loans against property and home loans, in close collaboration with the sales team will be part of your duties. Continuous monitoring of credit exposures to ensure bankable exposure, critical review, and documentation of proposals, monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when required, while adhering to legal & documentation norms & policies are key aspects of the role. Managing the credit underwriting function of your branch, facilitating quick turnaround of credit lending proposals by working closely with local credit analysts and the sales team are also part of the responsibilities. Additionally, you will need to follow up and ensure the recovery of quick mortality cases between 12 - 18 months of vintage. Qualifications required for this role include a Graduate degree, and preference will be given to candidates with Masters/Post Graduate qualifications. Certifications such as CA/MBA are preferable for this position.,

Job Description Senior Associate, Credit Risk Risk & Compliance At BNY, our culture empowers you to grow and succeed. As a leading global financial services company at the center of the worlds financial system we touch nearly 20% of the worlds investible assets. Every day around the globe, our 50,000+ employees bring the power of their perspective to the table to create solutions with our clients that benefit businesses, communities and people everywhere. We continue to be a leader in the industry, awarded as a top home for innovators and for creating an inclusive workplace. Through our unique ideas and talents, together we help make money work for the world. This is what is all about. Were seeking a future team member for the role of Senior Associate to join our Credit Risk Risk & Compliance team. This role is located in Pune, MH HYBRID. In this role, youll make an impact in the following ways: Engage in deep dive credit analysis to understand the business performance of banks/broker dealers and provide concise credit underwriting papers and recommendation to credit approvers. Partnering with colleagues in Credit Risk team to prepare credit analysis paper comprising of: Comprehensive fundamental analysis (Capitalization, Management, Earnings, Liquidity, and Sensitivity to Market Risk) Review of the counterpartys strategy and its business risk Researching industry dynamics, global economic conditions and competitive environment Recommending borrower risk rating based on financial and economic data Ensure adherence to deadlines for new deals and timely completion of error-free annual reviews Proactively monitor the assigned portfolio by tracking industry / economic / regulatory development, counterparty related news, and other early warning indicators. Liaising with various internal and external stakeholders. Depending on experience, skill and competence, he or she can be given additional responsibilities. To be successful in this role, were seeking the following: Strong understanding of banks/broker dealers financial statements. Candidate with 4 6 years experience in credit rating / research / analysis / underwriting with large MNC banks / captive unit of a large multinational bank / credit rating agencies. Strong verbal and written communication skills with the ability to clearly articulate well-reasoned underwriting proposals for credit approval. Ability to come up the learning curve faster and adapt & implement new concepts and ways of working. A self-starter with the ability to meet deadlines in a fast-paced and dynamic environment. Ability to interpret credit documents to assess credit terms & conditions, including financial covenants, security and collateral. Knowledge of capital markets / traded products and commercial financing facilities. Ability to complete work with minimal or no supervision and meet stringent timelines. Good understanding of internal rating methodologies and legal agreements (term sheet, ISDA & CSA). Knowledge of market data tools and external resources like S&P Capital IQ, Moodys, and Credit Sights etc. Ability to guide early career analysts and suggest process improvement ideas to leadership. Handle stakeholder questions/complaints efficiently and turn mistakes into learning opportunities. Maintains a professional image by always being available to take care of deliverables. Manage fair workload and volunteer for additional work during peak periods. Pro-active, Can Do attitude, understanding that taking the initiative is utmost important. Self-starter & team player with positive, proactive and open attitude. Ability to prioritize workload and respond quickly to urgent requests. Innovative team player with demonstrated ability of working as part of a robust team. Understand and comply with all relevant policies, guidelines, procedures and applicable regulatory requirements as issued by BNY. Maintain BNY internal control standards. Adhere to implement the Group Compliance Policy, as applicable to the role. Complete all the mandatory training courses on time and ensure no compliance breach of data security, confidentiality related or personal trading policies. Adhering strictly to compliance and operational risk controls in accordance with BNY policies. MBA Finance / CA / Postgraduate in Finance + CFA (International) / FRM At BNY, our culture speaks for itself. Heres a few of our awards: Americas Most Innovative Companies, Fortune, 2024 Worlds Most Admired Companies, Fortune 2024 Human Rights Campaign Foundation, Corporate Equality Index, 100% score, 2023-2024 Best Places to Work for Disability Inclusion , Disability: IN 100% score, 2023-2024 Most Just Companies, Just Capital and CNBC, 2024 Dow Jones Sustainability Indices, Top performing company for Sustainability, 2024 Bloombergs Gender Equality Index (GEI), 2023 Our Benefits And Rewards BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your lifes journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans. Show more Show less

We are seeking a diligent Branch Credit Manager to oversee credit appraisals and ensure adherence to lending guidelines. You will be responsible for the credit underwriting of loans as per company policy, engaging directly with customers to understand their requirements, and conducting personal discussions to assess income. This role also involves maintaining market knowledge, managing turnaround times, ensuring file quality, and demonstrating a strong understanding of property-related knowledge. Roles and Responsibilities: Conduct thorough credit appraisal of loans as per the company's credit policy. Demonstrate strong experience in Credit Underwriting . Engage in direct discussions with customers to understand their loan requirements comprehensively. Perform Personal Discussions (PD) with customers at their residence and business premises for accurate income assessment. Maintain current knowledge of market conditions and company lending guidelines . Manage turnaround time (TAT) and ensure high file quality for the respective locations. Possess a strong understanding of Property related knowledge , including legal title and market value of the property. Oversee Vendor Management pertinent to credit appraisal processes. Skills Requirement: Must have experience in Credit Underwriting within NBFC/BFSI sectors, specifically for products like Home Loan (HL), Loan Against Property (LAP), or Mortgage. Strong analytical skills for credit appraisal and risk assessment. Excellent communication and interpersonal skills for customer discussions and vendor management. Meticulous attention to detail for file quality and adherence to policies. Ability to manage TAT and work efficiently. Strong understanding of property legalities and valuation. QUALIFICATION: Any Graduate or Post graduate.

We are seeking a diligent Branch Credit Manager to oversee credit appraisals and ensure adherence to lending guidelines. You will be responsible for the credit underwriting of loans as per company policy, engaging directly with customers to understand their requirements, and conducting personal discussions to assess income. This role also involves maintaining market knowledge, managing turnaround times, ensuring file quality, and demonstrating a strong understanding of property-related knowledge. Roles and Responsibilities: Conduct thorough credit appraisal of loans as per the company's credit policy. Demonstrate strong experience in Credit Underwriting . Engage in direct discussions with customers to understand their loan requirements comprehensively. Perform Personal Discussions (PD) with customers at their residence and business premises for accurate income assessment. Maintain current knowledge of market conditions and company lending guidelines . Manage turnaround time (TAT) and ensure high file quality for the respective locations. Possess a strong understanding of Property related knowledge , including legal title and market value of the property. Oversee Vendor Management pertinent to credit appraisal processes. Skills Requirement: Must have experience in Credit Underwriting within NBFC/BFSI sectors, specifically for products like Home Loan (HL), Loan Against Property (LAP), or Mortgage. Strong analytical skills for credit appraisal and risk assessment. Excellent communication and interpersonal skills for customer discussions and vendor management. Meticulous attention to detail for file quality and adherence to policies. Ability to manage TAT and work efficiently. Strong understanding of property legalities and valuation. QUALIFICATION: Any Graduate or Post graduate.

Your role as a Credit Ops Executive will be essential in supporting the risk team by auditing and conducting hindsight reviews of the personal loan underwriting process. Additionally, you will play a key role in manual underwriting for personal loans, ensuring robust and thorough assessments. Credit Underwriting: As a Credit Ops Executive, you will conduct thorough credit assessments to evaluate the creditworthiness of loan applicants. You will review and analyze personal loan applications, assessing financial statements, credit reports, and cash flow projections. Utilize advanced credit scoring models and strategies for informed decision-making. Risk Analysis & Hindsight: Identify and evaluate potential risks in loan applications and develop effective risk mitigation insights. Recommend appropriate loan terms and conditions, ensuring alignment with Olyvs risk policies. Make timely and well-justified decisions on loan approvals, declines, and counter-offers. Collaborate with risk and tech teams to support credit decisions and troubleshoot technical issues. Continuous Improvement: Stay updated with the latest industry trends, regulatory changes, and best practices in credit risk assessment. Propose innovative process improvements to enhance credit assessment procedures. Reporting: Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for management insights. Who You Are: You have 0.6 to 1 years of experience in credit operations or underwriting. You hold a graduate degree. You possess expertise in underwriting, and secured/unsecured loans, and have proficiency in Excel and basic SQL. Preferred: Experience in lending and portfolio management strategies.,

You will be joining VGM Consultants Private Limited as a Field Manager, an ISO/IEC 27001:2013 certified company situated in Kalna subdivision. Your primary responsibilities will include supervising field activities like business sourcing, credit underwriting, field investigation, and insurance distribution on a daily basis. To excel in this role, you should possess experience in field activities, business sourcing, and credit underwriting. Strong leadership and communication skills are essential to effectively manage a team and field operations. Knowledge of insurance distribution processes, proficiency in data analysis and reporting, and a Bachelor's degree in Business Administration or a related field will be advantageous in fulfilling the duties of this position. If you are looking for a challenging full-time on-site role that offers the opportunity to lead and coordinate field activities, this position at VGM Consultants may be the perfect fit for you.,

The Commercial Banking Portfolio Manager position at Wells Fargo involves supporting the Credit Underwriting and Portfolio Monitoring processes to ensure compliance with relevant credit policies and procedures. Your responsibilities will include performing reviews of credit reports, validating financial analysis for commercial loans, identifying credit policy exceptions, and escalating risks as necessary. Additionally, you will be expected to document findings, provide expertise for business initiatives, and quality-check the work of junior team members. The ideal candidate for this role should have an MBA in Finance or Banking, Cost and Management Accountancy, Chartered Accountancy, or post-graduation in Economics. You should possess 4-6 years of commercial credit experience across various asset classes, sound knowledge of financial statements for different industries, and proficiency in financial analysis techniques such as Discounted Cash Flow and Comparable Company analysis. Strong communication skills, the ability to assess creditworthiness, and intermediate to advanced Excel skills are also desired qualifications. Qualified applicants are encouraged to apply before the posting end date of 10th October 2024. Wells Fargo values diversity and encourages applications from all qualified candidates. Employees are expected to prioritize customer relationships while maintaining a risk mitigating and compliance-driven culture. Proactive risk monitoring, governance, and compliance are essential for success in this role. To ensure a fair recruitment and hiring process, Wells Fargo prohibits third-party recordings and requires candidates to represent their own experiences directly. If you require a medical accommodation during the application or interview process, please visit Disability Inclusion at Wells Fargo. The company maintains a drug-free workplace as per its Drug and Alcohol Policy. If you believe you meet the qualifications and are interested in joining Wells Fargo as a Commercial Banking Portfolio Manager, we invite you to apply for Reference Number R-402244.,

HDB Financial Services Ltd. Looking for #BranchCreditManager #Product - #LAP (Secured) and #PL/BL (Unsecured) #Skills - Underwriting and PD is must #Experience -3-7 years in Credit underwriting & CAM #Education - any graduate #Locations .- Moradabad Relevant candidates can share CVs at rupali.vishal @hdbfs.com with the subject line Branch Credit Manager_location.

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Role & responsibilities Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EMI Preferred candidate profile Credit Decisions Take sound lending decisions based on available information & interactions with the applicants. Manage credit quality and control delinquencies, frauds. Monitoring Performance Managing performance in terms of key drivers i.e. oLoses / Portfolio quality parameters oCost of credit administration oEmployee Productivity

Role & responsibilities Handling Micro LAP vertical Responsible for maintaining healthy Credit Portfolio with authority Responsible for work completion on TAT. Ensuring compliance with internal and external guidelines. Also looking after Handsighting audit for all Gujarat branches. Involved in imparting process & policy training of new recruits and existing staff of sales and credit on monthly basis about any policy changes. Preferred candidate profile

Manage the corporate / large accounts underwriting Handle supply chain finance tickets Work in collaboration with business and processing teams to achieve the set targets. Calculate and eliminate all types of risks associated. Required Candidate profile 5+ yrs of exp. as credit manager handling large accounts / inventory funding loans Job location - Chennai, TN

Manages the credit appraisal process , by ensuring adherence to the standard process, Turn Around Time and decision consistency Ensuring the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions. Monitor the accounts to ensure maintenance of a healthy portfolio. Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives Maintain the Customer escalations within the desired levels for the location Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme Provide regular updates on all key activities to regional manager

Department: Lending Services 0-2 months' notice candidates preferred due to business need Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Credit Lens / client customized templates Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics Screening the credit agreements and analyzing the financial covenants applicable to the borrower Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Department: Lending Services 0-2 months' notice candidates preferred due to business need. Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys RiskAnalyst (MRA) / CreditLens / client customized templates Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics Screening the credit agreements and analyzing the financial covenants applicable to the borrower Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Role & responsibilities Credit Officer/ Credit Manager Candidate should have home loan credit experience Interested candidate can mail their resume : swathi@aavas.in

openings for credit underwriting Experience - minimum 1 year of experience in mortgage or any commercial international banking 5 days working, 2days off rotational shifts salary upto 6 LPA cab provided To Apply Call HR or WhatsApp : 7676985790

Experience Banking experience in handling the asset side i.e., credit underwriting, monitoring and recovery. Good drafting skills, sound knowledge of the General Economic scenario, legal framework, rules and regulations related to banking and financial activities. Understanding basics of credit guarantee schemes. Prior experience in handling operations of a guarantee fund, is desirable. Note: Eligible candidates shall apply in the prescribed format by downloading the same from our website viz. www.ncgtc.in. The duly filled-in application form along with Annexure 2 (applicable for deputation only) (in English) after affixing latest passport size photograph (copy of resume may also be enclosed) bearing full signature of the candidate across the same with date, should be forwarded with subject Application for the post of (mention the name of the post) through email at recruitments@ncgtc.in or by post at the address indicated below by 18.00 hours on or before August 15, 2025 . The COO, NCGTC, 1410 , 14th Floor, Parinee Crescenzo, Plot No. C-38 & C39, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai -400051 Link for detailed advertisement and application form is given below: https://www.ncgtc.in/en/Careers

Experience Banking experience in handling the asset side i.e., credit underwriting, monitoring and recovery. Good drafting skills, sound knowledge of the General Economic scenario, legal framework, rules and regulations related to banking and financial activities. Understanding basics of credit guarantee schemes. Prior experience in handling operations of a guarantee fund, is desirable. Note: Eligible candidates shall apply in the prescribed format by downloading the same from our website viz. www.ncgtc.in. The duly filled-in application form along with Annexure 2 (applicable for deputation only) (in English) after affixing latest passport size photograph (copy of resume may also be enclosed) bearing full signature of the candidate across the same with date, should be forwarded with subject Application for the post of (mention the name of the post) through email at recruitments@ncgtc.in or by post at the address indicated below by 18.00 hours on or before August 15, 2025 . The COO, NCGTC, 1410 , 14th Floor, Parinee Crescenzo, Plot No. C-38 & C39, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai -400051 Link for detailed advertisement and application form is given below: https://www.ncgtc.in/en/Careers

What is the Role? As a Snr Analyst Credit Underwriting you will be responsible for performing credit underwriting activities for Shell Operational Units (OUs) under Finance Operations. The role requires strong level of ownership and involves maximizing commercial opportunities where credit can play a part in delivering strong margins whilst taking acceptable credit risks. This will require creating very good working relationships with the local Credit, Customer Operations and Sales Teams. Principal Accountabilities : Manage Credit/Risk Underwriting Responsible for the efficient and effective management of credit risk, including management of high- profile and risk portfolio Responsible for providing authorized approval for release of credit blocked orders and taking credit decisions. Providing assessment of a customer credit risk and recommending terms of credit Performing detailed financial analysis based on customer financial statements for development of a risk profile of a customer Analyzing the overall credit exposure Providing authorized approval for continuing deliveries to customers in case of overdue or credit limit exceeding Negotiating and managing securities necessary to support higher risk exposures based on a risk reward approach Resolving credit enquiries and complaints from customers Communicating with internal and external customers in a professional, assertive, and efficient manner Accounts Receivable Drive resolution and support Debt Management Analysts in resolution of cases related to overdue Keep up-to date on issues by holding regular discussions with other Credit functions Regularly and on ad-hoc basis MI information about the managed portfolio. General Provide interpretation of policy and guide fewer senior colleagues on the principles of sound credit management. Ensure compliance with MOA and DCM/OCM and take responsibility for Audit coordination and business control reviews. Act as Team Lead support and go-to person for most complex operational matters Implement cross-border credit strategies and contribute/manage high profile projects which involve delivering presentations to very senior internal/external stakeholders. Demonstrate CI mindset and Shell core behaviors while performing the assigned activities Required Skills and Experience: Degree/qualifications in Accounting/Business preferred; a professional degree required Minimum 5 years of experience in credit management and underwriting Proven experience in credit and balance sheet analysis Sound understanding of Financial processes Must have experience in a multi-national company preferably in Shared Services environment Exhibits excellent English communications skills (written and oral) Good knowledge of controls framework Ability to work under high pressure an in a rapidly changing environment. Positively engages with others to improve business processes and performance where necessary Strong interpersonal and communication skills, persuasive and firm in discussions (internal and external discussions) Results focused team-player, with excellent communication skills and strong drive Strong analytical skills and strong problem-solving skills