1832 Credit Underwriting Jobs - Page 14

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience Approve / Recommend Mortgage ( LAP) & Housing loan applications. Ensuring error free underwriting of loans in line with approved processes and policy guidelines Monitor & train the Jr. Resources in the team keeping role succession planning & achieving the TAT. Ensure meticulous compliance with internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Manage ,supervise and provide guidance to the vendor agencies like legal and technical to get the desired and quality output. Doing PD for decision of cases basis of document provided Co-ordination with branches, Legal & Technical team and Ops team Feedback to management on policy as well process changes to be done Update branch with current status of files Overall portfolio quality of cases underwritten PDD management , tracking and submission of the disbursed cases Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 3 - 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

Job DescriptionThe incumbent will be responsible to lead the team. Underwriting/recommending of proposals for non-collateral/collateral profiles. Manage the outsource agencies and ensure TAT is maintained by these agencies. Role & responsibilities Managing team of Credit managers Credit Appraisal Underwriting/recommending of proposals for non-collateral/collateral backed education loan Process & Initiatives Understanding process and policies and implementing the same to ensure smooth transactions Training- Provide training to internal team and channels/DSTs. Provide regular training to outsource agencies so that they work in synergy with the companies policies and norms Delinquency Management for the entire State Portfolio Management – Monitoring the performance of portfolio and suggest changes to adapt to maintain the quality of portfolio Vendor / Cost management – managing the outsource agencies and ensure TAT is maintained by these agencies Quality Management in terms of Audit, Compliance and Hind sighting PDD Management – controlling and tracking PDDs through proper MIS for the location Preferred candidate profile 8-10 years of Underwriting experience in lending Business. Experience in mortgage industry will be an added advantage.

As a Senior Analyst, you will be responsible for conducting thorough analyses of loan files to evaluate credit worthiness, underwriting in compliance with current guidelines from multiple investors, handling complex income scenarios, addressing post-closing reviews and audits, and supporting various operational areas as required. Your primary duties will include conducting meticulous and precise analyses, preparing financial statement spreadsheets, assessing borrower credit worthiness, documenting detailed loan request analyses and borrower financial conditions, assigning appropriate loan grades, identifying policy exceptions, and shepherding Credit Approval Documents and Memoranda through the loan approval process. You must possess a comprehensive understanding of mortgage regulations, including familiarity with the Standard Operating Procedures manuals for Conventional, Jumbo, FHA, and VA loans. Additionally, staying informed about program eligibility, structures, and parameters for Conventional, Jumbo, FHA, and VA loans is crucial, along with adapting to any program changes. Your responsibilities will also involve preparing and analyzing borrower financial statements and tax returns, providing insights on financial performance, and collaborating with investors to ensure accurate loan origination. You will be required to research and interpret financial data, create reports on financial positions, assess borrower credit worthiness, and determine appropriate loan grades. Furthermore, you will be tasked with training staff on various underwriting matters such as appraisals, credit reports, income calculations, and credit guidelines. The ideal candidate should be highly organized, possess excellent communication skills, both written and verbal, be detail-oriented, have strong data analysis capabilities, and exhibit logical reasoning skills. Qualifications for this role include a minimum of a Bachelor's degree, at least 5 years of experience in QM underwriting Conventional loans, and familiarity with underwriting FHA and VA loans is an added advantage.,

Job Opportunity Credit Analyst US Mortgage Underwriting - Work from Office Company Profile: Infinity IPS Founded in 2003, Infinity IPS is a mortgage industry leader in providing end-to-end services and solutions. We specialize in mortgage due diligence, pre-fund and post-close quality control, mortgage servicing reviews and loan brokering services. We are vetted by all 5 major rating agencies. Our clients are financial entities including investment banks, commercial banks, mortgage companies, government agencies and mortgage insurers Post Credit Analyst US Mortgage Underwriting Location Bangalore Job Shift 7 pm to 5 am - Night - 5 Days a Week Saturday & Sunday Off Immediate Joiners Preferred Requirements: - Mortgage Underwriter Duties and Responsibilities Experience in Post close underwriting Including QM and Non-QM loans. Experience in US MORTGAGE UNDERWRITING is MUST Highly organised and able to prioritise. Good communication skills, both verbal and written. Detail-oriented with strong data analysis skills. High mathematical aptitude. Proficiency in Microsoft Office and automated underwriting systems. Mortgage Underwriter Skills and Requirements Experience in loan underwriting in QM and Non Qm loans for 1-6 years Good working knowledge of mortgage loan underwriting of 4 Cs. Working experience in income calculation, DTI calculation, LTV calculation. Reviewer is responsible for assessing mortgage files as per applicable selling guides and the lender overlays. Review and verify loan applications and supporting documentation. Analyse loan risk and request additional information as necessary. Determine if the risk covering the mortgage loans is permissible per guidelines and covered adequately Good knowledge of collateral underwriting, non-QM income also reviews the assets. Review and specify loan conditions as necessary. Document and efficiently communicating reasons for the approval/rejection of loans. Highly organised and able to prioritise work first. Walk in Details : Candidate can visit office as per below mentioned schedule with a copy of CV Date : 16th July 2025 to 25th July 2025 Time : 6 PM to 9 PM - Monday to Friday Venue : Infinity Data Technologies Pvt. Ltd. C/O : Novel Tech Park 46/4, Garvebhavipalya, Kudlu Gate, Hoser Main Road, Bangalore-68 Contact Person : Praveen (7530002417)

You will be responsible for implementing credit policies and processes at the State level, working closely with area credit managers to ensure compliance and portfolio quality. You have to conduct credit risk assessments and monitor portfolio performance within their designated zones, while also collaborating with branch teams to optimize credit processes. You will play a crucial role in implementing national credit strategies and providing support to area credit managers in achieving organizational objectives within their respective states. Customers Risk Teams Legal Teams Technical Teams Sales Teams Compliance Teams Role Expectations Conduct thorough credit assessments and implement effective risk management strategies tailored to the state's market conditions. Ensure compliance with state-level regulatory requirements and internal policies. Monitor and optimize the loan portfolio within the state to maintain quality and profitability. Collaborate effectively with regional and local teams and communicate important updates and decisions within the state. Identify opportunities for process improvement and drive initiatives to enhance efficiency and effectiveness. Provide leadership and support within the state credit department to achieve organizational objectives. Behavioural Skills Analytical Thinking Communication and Collaboration Adaptability Attention to Detail Knowledge Credit Risk Analysis Regulatory Compliance Portfolio Management Credit Policy Development Focus Areas Credit Assessment 1. Conducting comprehensive credit assessments for loan applications within the state. 2. Ensuring adherence to credit evaluation processes and standards. 3. Verifying the accuracy and completeness of credit information provided. Risk Management 1. Identifying and analyzing credit risks specific to the state's market and economic conditions. 2. Developing and implementing strategies to mitigate identified risks effectively. 3. Monitoring state-specific credit risk indicators and taking proactive measures Regulatory Compliance 1. Ensuring compliance with state-level regulatory requirements and internal policies. 2. Keeping updated with changes in state-specific regulations affecting credit operations. 3. Updating credit policies and procedures to ensure alignment with state regulations. Portfolio Oversight 1. Monitoring the performance of the loan portfolio within the state. 2. Analyzing trends and identifying areas for portfolio optimization. Implementing strategies to maintain portfolio quality and profitability at the state level. Collaboration and Communication 1. Collaborating with regional and local teams to align credit strategies with state objectives. 2. Communicating credit decisions, policies, and updates effectively to stakeholders within the state. 3. Providing support and guidance to branches and regional teams on credit-related matters. Process Improvement 1. Identifying opportunities to enhance credit processes and streamline operations within the state. 2. Implementing changes to improve the efficiency and effectiveness of credit evaluation and approval processes. 3. Promoting a culture of continuous improvement within the state credit department.

KMBL - Corporate - Support Services-Credit RoleCredit Manager |GradeM7/M8| LocationMumbai Job role Handling a team of credit analysts Prioritization of proposals in consultation with business team Guide the team of credit analysts to write better quality notes and effective monitoring Vetting of Credit Appraisal notes prepared by credit analysts Discuss with senior members of business team on Terms and Conditions for risk assessments/ structuring of the proposal, transaction Assist the credit analysts to formulate credit recommendation in the note. Closely monitoring of portfolio along with team of credit analysts Escalate with action plan for non-compliances and early warning signals Meeting the clients on regular basis to know the updates Networking within various departments of the bank/ taking reference checks from other banks Job req Experience required for the JobAt least 10+ years in Credit Underwriting. CA / MBA Good understanding of Accounting Standards, Balance Sheet Analysis. Knowledge of RBI regulations, SEBI and other statutory bodies requirements. Good interaction and communication ability. Excellent verbal, written communication & presentation skills.

Job Responsibilities : - Appraising proposals for HL / LAP and conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies - Supervising, controlling delinquency and credit loss - Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of MIS reports - Fulfilling the credit training needs of the entire business team on a continued & timely basis Requirement In-depth knowledge of: - Financial & Credit Risk analysis - Risk (credit/investment, operational, others) identification and mitigation - Banking products and procedures; Documentation - Team Management - Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process operations. - Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members. - Nurturing, managing & imparting training to the team is also one of the core activities. - Managing a team of Credit Managers Requirements : - Qualified CA with min 7 years of work exp in Credit role. - Should have handled Home Loans / LAP .

Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customers creditworthiness. Key Responsibilities: Fraud and Credit Risk Review Credit Management Customer Interaction Compliance and Reporting Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Previous experience reviewing and approving credit is an asset. Minimum of 1 year of customer service experience. Credit card experience required; credit and fraud experience is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. o Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. o TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required.

Roles and Responsibilities Conduct credit appraisal and evaluation of proposals to assess creditworthiness of borrowers. Review financial statements, cash flow analysis, and other relevant documents to determine loan eligibility. Identify potential risks and develop strategies to mitigate them during the lending process. Collaborate with internal teams to ensure seamless execution of credit decisions. Stay updated on industry trends and regulatory requirements to maintain compliance. Desired Candidate Profile 2-7 years of experience in Credit Underwriting or related field (NBFC). Strong understanding of credit analysis, credit appraisal, credit evaluation, and risk assessment principles. Proficiency in reviewing financial statements, cash flow analysis, and other relevant documents for loan eligibility determination. CA fresher can apply. Interested candidates can share their updated cv on tushar.ravalji@aavas.in or call on 9057409096

Roles and Responsibilities Conduct thorough credit assessments of borrowers to determine their creditworthiness. Review financial statements, industry trends, and other relevant data to evaluate borrower credit risk. Develop and maintain relationships with key stakeholders, including clients and internal teams. Identify potential risks and develop strategies to mitigate them through effective communication with customers. Ensure compliance with regulatory requirements and company policies. Desired Candidate Profile 1-6 years of experience in credit appraisal or related field (credit underwriting). Strong understanding of home loan credit products and processes. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while meeting deadlines.

What role you will play in team Supporting senior underwriters in the assessment of loan applications for various financial products What you will do Analyze financial data conduct credit checks and prepare reports to assist in credit decision making Key responsibility Assist senior underwriters in evaluating loan applications Analyze financial statements credit reports and other relevant document s Conduct credit checks and verify applicant information Prepare detailed credit reports and risk assessments Contribute to the development and maintenance of underwriting guidelines Maintain accurate records of all underwriting activities Required Qualification and Skills Bachelor s degree in finance accounting or related field 1-2 years of experience in a financial services role Strong analytical and problem solving skills Excellent attention to detail and organizational skills Proficiency in Microsoft Office Suite Good understanding of credit risk management principles Benefits Included Competitive salary and benefits Professional growth opportunities Positive team environment Medical insurancePaid time offA Day in the Life Reviewing loan applications conducting credit checks analyzing financial data and preparing reports for senior underwriters

The Underwriter - C14 is a strategic professional with a keen awareness of the latest trends in the field, adept at applying them to their own work and the overall business. You are among a select few individuals in the organization who possess such a high level of expertise. Exceptional communication skills are a must as you engage in negotiations internally, often with senior stakeholders. Your refined communication and diplomacy skills will be instrumental in guiding, influencing, and persuading others, especially colleagues from different departments and occasional external clients. You will be held accountable for delivering significant direct business outcomes or providing authoritative advice on business operations. This role entails a level of responsibility over technical strategies and primarily impacts a specific sub-function. You will be responsible for managing staff issues, including resource allocation and workload distribution within the team or project. Your main responsibilities will include assisting bankers and Underwriters in evaluating credit extension requests for new and existing clients, as well as crafting annual reviews with a focus on more complex and higher-value transactions. Conducting thorough financial analysis on companies, encompassing trend analysis, ratio analysis, and interpretation of financial data will be a key part of your role. Additionally, you will be tasked with preparing regular reviews of existing borrowers to monitor compliance with loan covenants outlined in the loan agreement. Developing a comprehensive understanding of Citibank products and services within Commercial Banking and the broader organization will also be essential. Collaboration with bankers on customer calls and site visits, conducting industry and geographical research, and performing other necessary due diligence will all fall within your scope of work. Furthermore, you will need to be well-versed in Citibank credit policies, regulatory practices, and assist the unit in achieving compliance with internal and external audit requirements. Providing training to junior credit officers and other staff in application processing, credit analysis, and loan closing procedures will be part of your responsibilities. Additionally, offering support to the team manager in workflow management and suggesting process improvements to enhance efficiency will be expected. It is crucial that you evaluate risks effectively when making business decisions, ensuring the firm's reputation and safeguarding Citigroup, its clients, and assets by adhering to laws, policies, and ethical standards. To qualify for this role, you should have at least 10 years of relevant experience and preferably hold a Bachelor's degree in finance or accounting. Prior experience in a financial institution, specifically in a loan officer or underwriting role, is highly desirable (credit training is a plus). Advanced analytical skills, including the ability to analyze financial statements, cash flows, industry trends, and projections, are essential. Proficiency in organizational tasks, attention to detail, timely task completion, effective written and verbal communication, problem-solving abilities, and the capacity to work autonomously and collaboratively are crucial attributes. Proficiency in spreadsheet and word processing applications, particularly Excel and Word, as well as Moody's financial analysis software, will be beneficial. A Bachelor's degree is required for this role, with a Master's degree being preferred. This job description offers an overview of the primary duties involved, and additional responsibilities may be assigned as needed. If you have a disability and require reasonable accommodations to use our search tools or apply for a career opportunity, please review the Accessibility policy at Citi. You can also refer to Citis EEO Policy Statement and the Know Your Rights poster for further information.,

The role involves underwriting and managing the portfolio in the assigned branch/location. You will be responsible for reviewing and assessing a wide range of complex loan applications within defined guidelines. Based on your assessment, you will make decisions or recommend them for approval to higher authorities. It is imperative to underwrite proposals as per the laid-down policies and procedures to meet the agreed Service Level Agreements (SLAs) and manage business volumes in the city/area. As part of your responsibilities, you will conduct personal discussions with customers to determine their creditworthiness. This includes ensuring the completion of credit/Know Your Customer (KYC) documents and conducting verifications through telephonic conversations, field visits, and collateral inspections. You will need to assess income to obligation ratios, possess in-depth knowledge of the rationale behind calculating ratios, and understand their impact on loan performance throughout the loan tenure. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operations-related MIS of the cluster will be crucial. You must regularly report on these metrics. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is also a key aspect of the role. You will be expected to take ownership of client queries, utilize industry knowledge and experience to address challenges, and strive for continuous improvement in service quality standards. Critical review of credit proposals is essential to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation measures are in place to support the approving authority's decision-making process is vital. To enable quick turnaround times for credit lending proposals, close collaboration with the sales team is necessary. Ongoing review of credit exposures is required to maintain their bankability. Additionally, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, taking steps for risk mitigation as needed, and ensuring compliance with legal and documentation norms and policies are part of the role. You will manage the credit underwriting function of your branch and work closely with local credit analysts and the sales team to facilitate swift credit lending proposal approvals. The educational qualification required for this role is a Post Graduate/Graduate degree in any discipline.,

You will be responsible for Bkt Collection and W-off recovery in the Consumer Durable portfolio. This includes managing a team of Collection Associates and agencies. It will be your duty to ensure adequate manpower agencies for portfolio coverage meeting CAPE norms. You will also need to ensure that Mobile App usage is at 100% and that quality feedback/trails are regularly updated. Your specific focus will be on Non starters and visiting delinquent cases. Co-ordination with the Sales, Credit underwriting, and RIC team for portfolio quality management is a key aspect of this role. Recommending legal actions for critical cases will also fall under your purview. It is imperative that there is no delay in the deposition of money. Your key responsibilities will include ensuring collection efficiency in a timely manner to deliver targeted performance. You will also be responsible for effective cost management and managing a healthy portfolio.,

The Credit Lead position at Vegrow in Bengaluru, Karnataka, India requires a Qualified Chartered Accountant with 8-12 years of experience in credit underwriting & policy within Banks/NBFCs. The role involves revolutionizing B2B agribusiness by offering fresh fruit on credit to SME and agritrading partners. As the Credit Lead, you will leverage your credit expertise into a commercial growth role, managing trade credit limits dynamically calibrated by seasons and performance. This is an opportunity to shape real-time, industry-defining credit practices and drive genuine business impact. Your key responsibilities will include evaluating financials, credit bureau data, cash flows, and sector-specific risks for end-to-end underwriting, designing and operationalizing credit frameworks and SOPs for unsecured agritrader lending, optimizing exposure levels while driving portfolio expansion and containing NPAs, advising sales & ops teams on risk-aware decision-making, monitoring key performance indicators, and leading risk reviews by traveling (~50%) to assess customer operations and build relationships. We are looking for a Chartered Accountant with 8-12 years of credit underwriting & policy experience, familiarity with agri-trader finance, technical excellence in financial analysis, cash-flow modeling, scorecarding, and limit-setting, proven ability to design, implement, and enforce credit governance and frameworks, strategic thinking skills to align growth and asset quality goals, excellent communication and stakeholder management skills, and willingness to travel up to 50% for customer and portfolio oversight. Joining Vegrow will allow you to transition your credit expertise from structured institutions to a dynamic, industry and customer-facing role, driving real-world impact on the agri front. You will be part of a scaling agritech firm where your decisions shape growth, backed by data, impactful leadership, and performance momentum. Your credit strategies will directly support fruit traders and agri operations season by season, decision by decision, making you a key strategic partner to founders and senior leadership, owning credit strategy and performance across the business.,

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a wide range of complex loan applications within defined guidelines, making decisions or recommending for approval to higher authorities. You will underwrite proposals in accordance with established policies and procedures to meet agreed service level agreements and manage city/area business volumes. Conducting personal discussions with customers to evaluate creditworthiness, ensuring completion of credit/KYC documents, and verifying information through telephonic, field, and collateral visits will be part of your responsibilities. You should have a deep understanding of income to obligation ratios, loan to value ratios, and the rationale behind calculating these ratios, along with their impact on loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS of the cluster, and providing regular reports will be essential. Building effective relationships with third parties to achieve optimal outcomes for clients, owning client queries, utilizing industry knowledge and experience to address challenges, and exceeding service quality standards are key aspects of the role. Your duties will also involve critically reviewing credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation measures are in place to support decision-making on credit proposals, facilitating quick turnaround times for credit lending proposals, and undertaking ongoing reviews of credit exposures to maintain their bankability will be part of your responsibilities. You will also be responsible for overseeing the credit underwriting function of your branch, collaborating closely with local credit analysts and the sales team to expedite credit lending proposals. Additionally, you will be expected to manage the creditworthiness of clients and collateral from pre-sanction to post-disbursement phases, taking necessary steps for risk mitigation while ensuring compliance with legal and documentation norms and policies. Following up on and ensuring the recovery of quick mortality cases between 12-18 MOV will also be part of your role. Qualifications required for this position include a Graduate or Masters/Post Graduate degree, with certifications such as CA/MBA being preferable.,

Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customers creditworthiness. Key Responsibilities: Fraud and Credit Risk Review Credit Management Customer Interaction Compliance and Reporting Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Previous experience reviewing and approving credit is an asset. Minimum of 1 year of customer service experience. Credit card experience required; credit and fraud experience is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. o Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. o TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required.

Position Summary (Underwriting): The Mortgage underwriting Manager must have managed the eligibility of loan applications of residential mortgage (1-4 family) loans. This role requires experience in analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems. Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Experience in full analysis of all types of income (Self/Rental/Wage/etc.), Assets, Liabilities, Credit and Collateral. Experience in managing credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Experience in managing property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Transaction Quality• Drive continuous improvement for Transaction Quality and Delivery• Manage Transaction Quality & Client related Key Performance Indicators (KPIs)• Evaluate effectiveness of transactional quality interventions• Strengthen Quality management processes / framework to improve quality delivery• Accurately capture SLA/SLO metrics, the reporting needs of each of the client and set up / customize processes to seamlessly meet client's expectations • Ability to get out of the box ideas and Process improvement initiatives in the process • Should drive Process control & Compliance in addition to managing Audit SLAs • Provide crisp and specific feedback to Front Line Recruitment Teams on quality of new hires • Provide quality floor support, feedback, refreshers etc. via the teams aligned • Facilitate Quality and Compliance team to perform various audits and follow-ups based on the observations highlighted Essential Skills / Expertise required:- • Six Sigma Green Belt Certified • Effective People Management skills to be able to drive teams across LOBs and/or Geographies • Ability to drive initiatives to closure• Ability to deal with all levels of employees and to provide leadership, direction and motivation to building performing teams • Analytical Skills / Quantitative skills with excellent data handling / data interpretation skills • Excellent Communication skills Both verbal and written to manage client and leadership communication • Needs to have good working knowledge of Transaction Quality systems, tools and technologies • Process Oriented, Planning, Decision making, Data Handling, Ability to prioritize, Ability to meet deadlines • Detail oriented, Strong organizational skills and Presentation skills • Flexible to work in 24X7 environment Qualifications Bachelor's Degree

Minimum experience in years – 2-4 years Exp in ratings, credit underwriting or policy related job role for Mid and Large Corporate segments in Rating agency, Bank, NBFC’s, Research & brokerage Mail cv at newagehr0101@gmail.com

Business unit: Finance Whats the role This role encompasses a wide range of tasks and covers the majority of business lines with which Shell is involved in e.g., Commercial Products, Supply and Distribution, Crude & Products, etc. It therefore offers real variety and an opportunity to impact commercial outcomes. We are seeking an individual to join the team that can think creatively, has a passion to understand and critically assess the businesses with which Shell trades with through an understanding of the macro environment and is ready to bring ideas for continuous improvement. Being part of a team of Credit Underwriters, who undertake all regular (often daily) Credit Activities including: Credit New Assessments, Re-Assessments and ad hoc credit assessment requests, specifically performing robust quantitative and qualitative analysis of the counterparties Shell trades with to confirm and recommend Credit Ratings, Credit Limits and terms. Regular Credit Operations, specifically system updates and Credit Advice. Operations are an important part of the Trading & Supply Credit function requiring specialist, fast and dependable service to avoid downside risk, support the deal lifecycle and ensure it operates within the Credit control framework. What youll be doing Act as the day-to-day interface with the Global Credit team, commercial and financial stakeholders to support and advise on the Credit Risk posed by counterparties delivered through the Credit Assessment process and performing Operational tasks relevant to the Credit function. Tasks will include but not be limited to: Conduct all Credit Activities as part of the underwriting/ customer/counterparty ongoing maintenance process for all trading & marketing businesses globally. These include: Evaluation of new and existing counterparties the core part of the role includes performing Risk Assessment of existing customers achieved through assessment and analysis of Business Model (i.e. Competitive Positioning, financial performance and inherent macro and sovereign risks to determine appropriate Credit Rating and Credit Limit). Specific focus on higher risk (i.e. credit limits above $50m and low investment grade, non-investment grade, or unrated status) counterparties who require more comprehensive assessments and high levels of approval from senior leaders in the organization. Monitor and assess counterparties on an ad hoc basis as requested by the relevant global underwriting team. Data Integrity Update and maintain the relevant Credit systems through the Credit Assessment life cycle, in particular updating new Credit Ratings and Open Credit Lines and communicating the outcome of assessments to relevant stakeholders, notably the Commercial Credit Managers and the commercial business. Perform ongoing (often daily) Credit Operational activities which include but not limited to: Effective operation of regular data integrity control, which aligns all system data with the relevant credit data, approved within each credit assessment. Contracting matters ad hoc queries on contracts and securities including liaison with Relevant Credit Managers. Support the Commercial Business - Provide interpretation of credit policy and guide the businesses on the principles of sound credit management. Keep up to date on issues within the businesses by having close relationships with the sales managers and reading information from industry sources. Coaching more junior members of the team and helping support our colleagues across all STn Offices. What you bring At least 5 to 10 years of working experience Bachelors Degree or equivalent Strong financial analysis skills Credit risk assessment expertise Understanding of macroeconomic and sectoral risks Data integrity and system proficiency Relevant finance or credit experience Experience in global or virtual teams Stakeholder engagement Attention to detail Decision-making under pressure Coaching and leadership Nice to have: Experience with trading systems or knowledge of the energy or commodities trading sector.

Job Responsibilities: Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources. Conducting personal discussions with customers to clarify all open questions. Decision applications based on creditworthiness and business outlook. Deciding trade credit for borrowers (lending amount & period). Adhering to strict TAT for underwriting applications Maintaining quality of underwriting as per SOP Monitoring loan payments and bad debts. Reviewing and updating the company's credit policy. Defining early warning signals to track portfolio performance. Work with policy/product/operations team to ensure the right risk parameters are captured and assessed. Vendor Management. Candidate Profile: Must have a minimum 2 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred. Thorough understanding of SME Financing, Supply Chain Finance and Credit processes. Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement. Eye for detail/Diligent Personality. Good communication and interpersonal skills. Proficient in MS Excel and ability to bring out insights from data. Experience in setting up strong credit underwriting processes and scale them. Candidate must have experience in working on digital platforms. Must be solution oriented. Must have strong analytical skills. Interested candidates can share their updated resume on : shivani.pradeepa@m1xchange.com.

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

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

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.