1832 Credit Underwriting Jobs - Page 12

Relationship management with aggregators across different levels from top management to middle management Strategize, manage and drive online aggregator partnerships for month on month target achievement Identifying and acquiring potential new aggregators Manage Direct Sales Team, Credit underwriters and call center - across different functions on a daily basis to meet the business goals & improve data point to disbursal funnel conversion To conceptualize and execute contests to motivate the partners Plan annual engagement calendars with aggregators aligned with business priorities Sales Planning and Day to day Operations for the Aggregator Platforms. Liaison with other internal cross functional stakeholders like Marketing, IT, digital/ BSG, to drive agreed initiatives to build scale Work with partners to design and execute joint PA/PQ programs resulting in 3X growth Job Requiremetnts Qualification - Graduate from a recognized University - with 6 to 8 years of experience of handling web aggregator business. preferably in banking or insurance. Job KnowledgeUnderstanding of personal loans will be an added advantage; Skills & Experience Quick learner ; Excellent written and oral communication,

Relationship Manager LAP (Loan Against Property) & Affordable Loans : 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: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Credit Manager The key responsibilities of the role will be as follows: Assessment of credit worthiness of potential customers. Structuring & customizing the products to suit the customers requirements keeping in mind the risk profile, cash flows and security. Work closely with the Business Team to understand the business of the customer, transaction structure, collateral and terms. Preparation of detailed proposal including projections and scenarios. Ability to develop own financial models and do cashflow assessment Presenting the proposals while highlighting risks and mitigants to Approving authorities Responsible for the end to end monitoring of the portfolio Candidate Profile Preferably 6-8 years of experience in Banks / NBFCs in a Credit role preferably in structured finance or large corporate Good analytical & managerial skills. Good Communication and proposal writing Skills.

Department Commercial Banking- MFI business - Risk Location Mumbai Kotak Infinity/ Bengaluru/ Lucknow Reporting Relationships Vice President Number of Positions 5 Position Grade M3/M4 Control Assessment for Branches and HO for MFI business for JLG, Micro LAP and Individual Loan. Responsible for assessing fraud/ operational and financial risks in Tier II, III cities , District/ Tehsil level( MFI branches) Responsible for assessing regulatory and internal policies and process adherence at MFI branches. Responsible for co-ordination with other support & control functions and business team. Responsible for managing MIS/Risk Analysis/Fraud Analysis/improvement/Operational Loss reduction Job Requirements: MBAs from reputed college/ Semi Chartered Accountant/ Chartered accountants Candidate should have good communication skills Should have worked in MFI business / have sound knowledge of MFI business/ Retail Assets. Good MS-Office knowledge with Analytical Skills Should have problem solving capacity. Willingness to travel to MFI locations ( branches, Hubs and District headquarters etc) Team player Analytical skill. Having good oral and written communication. Excellent co-ordination skills. Consistent and focused performer

Relationship Manager LAP (Loan Against Property) & Affordable Loans : 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: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

What is K-CAP It is a stepping-stone into a coveted career in Credit business. You will build depth in one area as well as get a 360-degree view of the Credit function. What roles can I do as a K-CAP Preparation of Credit Appraisal notes for Large Corporates/MNCs/ SME clients Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtaining information for preparation of Credit Notes Monitor the accounts based on the terms stipulated by Sanctioning Authority Prepare Monthly Monitoring Reports for the portfolio Escalate with action plan for non-compliances Visit the units and submit inspection reports Manage and address any escalations related to risk assessments Am I eligible for K-CAPYES, if, You have a passion for credit analysis You are a 2020-2021 batch pass out of CA / Tier II MBA College / MSC / MCom Logical thinking and data interpretation e.g ability to comprehend trends like inflation impact on interest rates / fx Basic accounting and financial statement understanding Good verbal, written communication & presentation skills Which location will I be placed in All roles are based out of Mumbai, Bangalore, Chennai, Hyderabad, Ahmedabad, Delhi, Jaipur, Chandigarh, Ludhiana, Kolkata, Indore, Rajkot, Pune and Baroda How will I be trained Thorough training in credit analysis Job shadowing with senior credit analyst How will K-CAP help build my career Become an expert in your role Rotate within Credit business Branch out into RM roles in Corporate, Wealth, Consumer or Commercial Banking Roles in the Kotak Group like in KMIL, Investment Banking & etc. What are the rewards Compensation at par with best in Industry How do I apply https://hcbt.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX/requisitionskeyword=62403&mode=location

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA Ensure qualitative portfolio Ensure that there is no infant 12 months NPA Daily tasks Daily accessing the loan file Daily case discussion with Sales team Preparing credit underwriting for the cases assigned Personal discussion calls with customer financials & banking Decision making with predefined TAT Tele-verification calls to the customer

Regulatory Reporting- Team Member, Mumbai Department Credit Monitoring Team Location Mumbai Number of Positions 1 Role & Responsibility Policies / Process / Board note formation and Celling / Exposure monitoring Position Grade M6 / M7 Policy formation & implementation In charge of Pan Bank Board policy of credit department. Shall be responsible for drafting Board Policy for wholesale and retail credit. Shall also be responsible for drafting processes for implementation of such policy which get placed in Board level committees and other senior management committee. Should ensure that policy and processes are modified on timely basis in adherence to changes in RBI regulations and circulars. Analysing the market trends / practices and benchmarking of policies with the market. Interacting with cross functional teams, understanding the current practice and accordingly recommending the policy / process changes. Monitoring the implementation of signed off policies/ process, identifying gaps and taking corrective action. Limits/ Celling Monitoring Monitoring of NBFC exposure celling,Environmental, Social & Governance (ESG) celling and Group consolidation CAP of large exposure of the bank at frequent interval. Setting up the process for automating the process of celling / CAP monitoring and ensuring that output is as per requirement. Highlighting the derivation/ red alert in case any deviation or higher utilization of actual limit. Releasing frequent MIS to senior management. RBI indent / Audit requirement: Understanding RBI requirement and ensuring revert submission within timeline. Identifying department/ division of the bank for RBI revert and co-ordinating with team for revert submission. Providing data / information / explanation to RBI auditor, Statutory / internal and concurrent auditor as per requirement and within timeline. Tracking and implementing all the changes suggested by Regulator / Auditor. Masters degree (CA /CS/ MBA) in Finance,Accounting,Business Administration,or related field. At least 8 - 10 years of experience in credit underwriting or as a lead in policy / process team. Knowledge of Policy drafting, Credit Appraisal, Credit Monitoring or regulatory requirements. Experience in automation of manual process and monitoring the change. Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships VP Position Grade M4/M5 Preparation of Credit Appraisal notes for MNC clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Job Title Credit Analyst Level M5 / M6 Division Commercial Real Estate Company KMBL No of positions 1 Location Mumbai Reporting to To be decided Reportee None Job Role Credit Analysis: Preliminary screening of commercial real estate financing transactions and structuring Interaction with in-house team (relationship, legal, technical and operations) to provide solution to clients in coordinated and timely manner. Interaction with client to understand their business model, organization structure and financing needs. Also resolution of queries and collection of information on ongoing basis Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and underlying security and making initial recommendations Presenting the proposal to sanctioning authorities Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts Preparing term sheets Checking disbursements to ensure compliance with sanctioned terms Credit Surveillance: Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client. Keeping update on real estate micro markets, real estate developers, regulations and general economy Credit Administration: Ensuring the approvals are taken as per policies laid down and ensuring the internal polices on credit are not violated Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI or other regulators are not violated Supervising and ensuring proper maintenance of credit files to avoid any operational risks Job Responsibility Credit Analysis & due diligence Job requirements Skills/Knowledge prerequisites A desire & attitude for understanding of real estate is essential Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools. Conversant with financial modeling Knowledge of finance, accounting, corporate & general law and taxation The individual in this position must be results oriented and must possess excellent oral and written communication skills Educational Qualifications Chartered Accountant Experience Profile Upto 8-10 years of experience Personality Traits Analytical Bent of Mind Enthusiasm for Knowledge Dedication & Sincerity Towards Tasks Assigned Good Organizational Discipline Accuracy and Error Free Execution for Tasks Assigned Team player Salary range Fixed Variable As per company policy Target Companies Internal Group External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Relationship Manager LAP (Loan Against Property) & Affordable Loans : 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: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Relationship Manager LAP (Loan Against Property) & Affordable Loans : 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: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

•Credit Underwriting & evaluation of Mortgage Loans basis guidance calls from Policy, Legal, Technical & basis Risk Assessment •Managing TAT within the business timeline . •Managing Mortgages Pre & Post Sanction & Disbursal process Required Candidate profile Min 5 to 7 yrs in LAP Credit Pure LAP lending. Its a State handling role AP and TS. Expected joining from 30 to 60 days.

Varthana - the largest school funding company in India, is urgently hiring for the post of "Assistant Credit Manager" in Bhopal location! Varthana is the largest education finance company in India headquartered in Bengaluru. Started in 2013, the organization now has its presence in 15 states, 34 branches, and 150 spokes across India, with the goal of transforming affordable education in India. Varthana has successfully served over 4500 affordable private schools in 15 states which educate more than three million students and employ more than 100,000 teachers! Varthana is looking for an Assistant Manager - Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented. The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a long-lasting relationship with them. The Assistant Manager will also be coordinating with the sales team and operations team for collecting accurate data. The ideal candidate should have 4-8 years of experience in the credit department. Candidates localite to Bhopal are preferred, but candidates willing to relocate to Bhopal can also apply. The key skills required for this role include credit underwriting, credit analysis, and credit management. The candidate should have the ability to drive a team, ensuring that credit parameters are adhered to, and must be open to travel. What's in it for you - Competitive salary - highest in the market. - Best-in-class learning, career growth opportunities. - Best in "Industry Employee monetary benefits". - ESI + PF + comprehensive insurance (for self, family) and more! If you or someone you know would be a great fit for the role, then apply by sharing the CV to: piyush.a@varthana.com or DM me here. If you're passionate about credit and are looking to transform your career in 2025, then join Varthana and help build the education of tomorrow! Benefits include: - Commuter assistance - Flexible schedule - Health insurance - Life insurance - Provident Fund Schedule: - Day shift - Fixed shift - Monday to Friday - Morning shift Job Types: Full-time, Permanent Work Location: In person,

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 banks. To excel in this role, you should have a minimum of 10 years of experience in Credit Underwriting, along with a CA or MBA qualification. A strong understanding of Accounting Standards, Balance Sheet Analysis, RBI regulations, SEBI guidelines, and other statutory bodies" requirements is essential. Excellent interaction, communication, and presentation skills are key to effectively perform this role.,

As a Credit Underwriting Manager, you will be responsible for developing and managing a comprehensive credit underwriting framework that aligns with business goals, regulatory requirements, and market conditions. You will actively oversee credit risk identification, assessment, and mitigation strategies across credit, operational, and compliance risks. It will be your duty to ensure that policies and frameworks are updated to identify, assess, monitor, measure, and control a broad spectrum of risks. You will be required to develop a deep understanding of business partners" sourcing, collections, credit underwriting parameters, policies, and practices to originate and underwrite loan applications with minimal expected credit losses and optimal rejections. Managing risk for the retail and wholesale portfolio will also fall under your responsibilities. Collaboration with the risk, compliance, and business teams to develop robust risk assessment tools, compliance standards, and high-quality origination processes will be essential. Your role will involve continuously monitoring the portfolio, reviewing underwriting standards, stress testing, and managing potential default risks. Ensuring operational and regulatory compliance for credit by adhering to reporting guidelines issued by regulatory authorities, organizing audits, and improving compliance culture will be crucial. Leveraging data analytics, AI, and machine learning tools to enhance data insights for credit underwriting and risk control will be an integral part of your responsibilities. Preparing and presenting regular risk reports to senior management and the board, fostering a risk-aware culture, and leading and mentoring a high-performing risk management team will be key aspects of your role. An ideal candidate for this position would possess a graduate/postgraduate/professional qualification, along with 7-10 years of work experience in the financial services sector. Experience in credit and underwriting in Financial Institutions group, good understanding of informal sector enterprises, and knowledge of RBI guidelines related to lending and credit are highly desirable. The right candidate should be data-driven, possess out-of-the-box thinking, and be able to balance responsibilities in risk, compliance, operations, and business areas effectively. A collaborative leader who takes ownership of business targets and can work across cross-functional teams will excel in this role.,

You will be responsible for underwriting and managing the portfolio in the assigned branch or location. This involves reviewing and assessing a wide range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. You will need to underwrite proposals according to the laid-down policies and procedures to meet agreed service level agreements and manage business volumes in the city or area. Your role will include conducting personal discussions with customers to evaluate their creditworthiness, ensuring completion of credit/KYC documents, and verifying information through telephonic, field, and collateral visits. You must assess income to obligation ratios, understand the rationale behind ratio calculations, and comprehend their impact on loan performance over the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS of the cluster and providing regular reports are key aspects of your responsibilities. Building effective relationships with third parties to achieve the best outcomes for clients, owning client queries, and utilizing industry knowledge to address challenges and solve problems are critical tasks. You will be expected to exceed service quality standards, drive continuous process improvement, and undertake a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation, facilitating quick turnaround of credit lending proposals, and monitoring credit exposures for bankability are essential functions. Managing the credit underwriting function of the branch, collaborating closely with local credit analysts and the sales team, and ensuring adherence to legal and documentation norms and policies are integral parts of your role. Educational Qualification: Post Graduate/ Graduate in any discipline.,

The Underwriter - C14 role at our organization requires a strategic professional who keeps abreast of the latest trends in the field and applies them effectively to the job and business. You will be one of the few individuals in the business with an exceptional level of expertise. Excellent communication skills are essential for negotiating internally, especially at a senior level. You must possess well-developed communication and diplomacy skills to guide, influence, and convince others, including colleagues in different departments and occasional external customers. As an Underwriter - C14, you will be accountable for significant direct business results or providing authoritative advice on business operations. This role involves a degree of responsibility over technical strategy and primarily impacts a sub-function. You will also be responsible for managing staff issues, including resource allocation and work distribution within the team or project. Your responsibilities will include assisting bankers and Underwriters in assessing credit extension requests for new and existing clients, focusing on complex and high-dollar exposure transactions. Detailed financial analysis on companies, trend and ratio analysis, and interpretation of financial information will also be part of your duties. You will prepare monthly and/or quarterly reviews of existing borrowers to ensure compliance with loan covenants. Building a strong understanding of Citibank products and services within Commercial Banking and the broader organization is crucial. Collaborating with bankers on customer calls and site visits, conducting industry and geographical research, and performing due diligence as required are also key aspects of the role. In addition, you are expected to be well-versed in Citibank credit policies, regulatory practices, and assist in achieving compliance with internal and external audit requirements. Providing training for less experienced credit officers and supporting the team manager in workflow distribution and monitoring will be part of your responsibilities. You will also be involved in recommending process improvements to enhance efficiency, assessing risk in business decisions, and ensuring compliance with laws, rules, and regulations to safeguard Citigroup's reputation and assets. Qualifications for this role include a minimum of 10 years of experience, a Bachelor's degree in finance or accounting is preferred, along with previous experience in a financial institution, ideally in a loan officer or underwriting role (credit training would be advantageous). Advanced analytical skills, knowledge of accounting theory, excellent organizational skills, attention to detail, effective communication skills, problem-solving abilities, and proficiency in spreadsheet and word processing applications are also required. The preferred education level for this role includes a Bachelors/University degree, with a Masters degree being advantageous. Please note that this job description offers a high-level overview of the role, and additional job-related duties may be assigned as needed. If you are a person with a disability requiring accommodation to utilize our search tools or apply for a career opportunity, please review the Accessibility at Citi policy. Time Type: Full time,