1832 Credit Underwriting Jobs - Page 16

Role & responsibilities 1)CHECKING OF APPROVED CAM / FILES RECEIVE FROM BRANCHES. SOLVE QUERIES AND VERIFY PROVIDED DOCUMENTS FOR FURTHER DISBURSEMENT PROCESS. 2)FOLLOW UP AND SOLVE PENDING PDDS, DSA COMMISSION PROCESS, GOOD COMMUNICATION SKILL BY CALL AND EMAILS, HAVING GOOD APPROACH TO DO ADDITIONAL WORK AS ASSIGNED BY THE CONCERNED HOD AND MANAGEMENT AT ANY OF TIME. Preferred candidate profile 1) BCOM OR MBA FINANCE WITH AT LEAST 1.5 YEAR OF EXPERIENCE OF DISBURSEMENT PROCESS (OPERATIONS WORK) OF WHEELS PRODUCTS IN BANKING / NBFCS. FOR FRESHER MINIMUM QUALIFICATION IS MBA 2)QUICK LEARNER, LEADER SHIP SKILL, HAVING GOOD EXCEL KNOWLEDGE FOR MAKING REPORTS, HAVING GOOD TELE COMMUNICATION SKILL. HAVING GOOD EMAIL COMMUNICATION SKILL AND PROPRIETOR SHIP ATTITUDE. Interested candidates cans hare their resume at ta_hr13@mas.co.in or whats app at 9718411150. Grab the opportunity now!!

Affordable housing loan gram panchayat and Gautham property knowledge must. • Visiting business premise, property of customer at the time of PD in HL/Lap • Ability to understand customer business and requirement from their perspective Required Candidate profile Male Graduate with 2 - 5 years’ experience underwriting and sanction of home loan/LAP Understanding credit worthiness of customers observation & findings of PD gram panchayat and Gautham property

Roles and Responsibilities Manage a portfolio of Home Loan/LAP/Micro Business Loans, ensuring timely recovery and minimizing defaults. Conduct thorough credit assessments, appraisals, and underwriting for new loan applications. Develop and maintain relationships with existing customers to identify cross-sell opportunities and improve customer satisfaction. Collaborate with internal teams to resolve issues related to loan processing, documentation, and disbursement. Analyze market trends and competitor activity to stay updated on industry developments. Desired Candidate Profile 8-10 years of experience in Portfolio Credit Management (Home Loan/LAP/Micro Business Loan). Strong understanding of credit underwriting principles, policies, and regulations. Excellent communication skills for effective customer interaction and relationship-building. Ability to analyze complex financial data to make informed lending decisions. Interested candidate can directly mail us their Resume on rajeshwari.bamane@aubank.in

Qualification:- CA Required Roles and Responsibility:- Credit Assessment & Underwriting Evaluate and approve credit proposals for home loans. Analyze financial statements, bank records, and other relevant documents to assess the creditworthiness of borrowers. Conduct Personal Discussions (PD) to verify information and assess the borrower's ability to repay. Portfolio Management Monitor the performance of the credit portfolio, ensuring that delinquencies and Non-Performing Assets (NPAs) are within acceptable limits. Implement strategies to mitigate credit risk and optimize recovery rates. Regularly review and update credit policies based on portfolio performance and market dynamics. Team Leadership & Development Lead and mentor a team of credit officers, providing guidance and training to enhance their skills and performance. Ensure that the team adheres to credit policies and maintains high standards of credit assessment. Compliance & Risk Management Ensure compliance with regulatory requirements and internal policies related to credit operations. Collaborate with risk management teams to identify potential risks and implement mitigation strategies. Stakeholder Collaboration Work closely with sales, collections, and operations teams to streamline credit processes and enhance customer experience. Provide feedback to product and policy teams to refine credit offerings and processes.

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

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

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

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

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

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

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

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Undertake ABL portfolio monitoring – ABL assessment notes and collateral monitoring Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Review outputs to be delivered by junior analysts, responsible for quality underwriting and workflow management Team management, stakeholder management Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively Train new and junior resources

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Undertake ABL portfolio monitoring – ABL assessment notes and collateral monitoring Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Review outputs to be delivered by junior analysts, responsible for quality underwriting and workflow management Team management, stakeholder management Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively Train new and junior resources

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

You will be responsible for leading a sales team of Sales Officers and field staff to enhance the Business Correspondent (BC) network of various financial institutions and Direct channel business. Your role will involve developing and expanding business correspondence alliance partnerships, as well as innovating and developing retail asset products such as JLG Loans, Secured & Unsecured MSME Loans tailored to meet the needs of target customers and geographies. In order to improve market share, you will need to devise effective sales strategies and identify potential areas or districts for expanding the region. You will play a key role in enabling business growth by overseeing the development and management of teams across assigned territories to achieve deeper market penetration and broader reach. Your duties will also include assessing the potential client base and product acceptability in new regions, identifying opportunities for geographical expansion, and establishing new business correspondence alliance partnerships. It will be your responsibility to ensure business growth and diversification of products in the region in line with the business plan. You will be required to formulate a collection strategy for your region and implement preventative measures to maintain a quality portfolio. Additionally, you will need to plan and design sales contests at regional levels, conduct field visits to monitor and guide loan officers, and oversee workforce planning, recruitment, and training to handle various asset products across different geographies. Ensuring staff skill development through meetings, continuous monitoring of various clusters, and identifying training needs as per market trends and new business opportunities will also be part of your role. You will need to maintain resource optimization and operational costs, identify branches in your designated areas of operation, and handle compliance, audit, legal, customer service, operations, logistics, admin, and HR-related issues in your region. Your responsibilities will extend to implementing best business practices, developing company strategies and programs, and ensuring strict compliance and integrity. To be eligible for this role, you should have a minimum of 5 years of experience working in a NBFC, NBFC MFI, SFB, or Bank, with at least 2 years in a team handling and leadership role. You should be familiar with the business correspondent model working with top lending institutions and direct lending business, and have experience in handling BC and JLG business. Key Skills Required: - Relationship management - Business sourcing & portfolio management - Understanding of credit underwriting - Knowledge of legal and governance requirements - Technological acumen and automation proficiency - Business planning and product management Education Requirements: - Post Graduate/ Graduate in any discipline,

As a Credit Analyst, your primary responsibility will be to prepare and amend notes and financial models with accurate information obtained from various sources such as the business team, public domain, and other resources. You will be tasked with preparing credit notes that include detailed transaction structuring and assessment, focusing on the assessment of the sought credit facility. Regular interaction with collections and sales teams will be required to track delinquencies and study delinquent cases to derive insights and share learnings with the team. Meeting with retail and strategic customers at regular intervals to gain an understanding of various industries and markets will also be part of your role. You will be responsible for pre-approving and rating clients with exposure exceeding Rs 500L, conducting regular training sessions for sales, channel partners, and field sales staff on product policies and processes. Additionally, you will oversee the control and monitoring of post-disbursement documents through interactions with sales teams and customers. Managing the portfolio to ensure the quality of documentation, post-disbursal documents, and delinquency levels meet the required standards will be crucial. Collaborating on projects and process improvements, critically evaluating transaction risks, business and financial risks, and identifying associated risks to mitigate against them will also be key responsibilities. Performing detailed financial analysis, preparing credit notes with transaction structure views, and conducting thorough financial appraisals covering business models, working capital cycles, and profitability are essential aspects of the role. Developing market intelligence by engaging with individuals in other banks and financial institutions, identifying automation opportunities, and maintaining the quality of credit underwriting will also be part of your duties. You will need to raise early warning signals for stressed accounts, ensure minimal audit queries are addressed within prescribed timelines, and possess market knowledge of CE/CV market practices. Active involvement in customer visits and providing regular market intelligence reports will be expected. Qualifications: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.,

As the Branch Credit Manager for Machinery Equipment Funding (MEF) in Mumbai, you will play a crucial role in underwriting loan applications, managing credit policies, and ensuring the quality of the loan portfolio. Your responsibilities will include evaluating MEF loan cases, utilizing loan origination and management systems efficiently, and maintaining credit turnaround time to facilitate timely loan approvals. You will be expected to adhere strictly to the company's credit policies and guidelines while managing credit underwriting processes. Monitoring delinquency rates, Non-Performing Assets (NPA), and credit costs within approved budgets will be essential to your role. Additionally, providing feedback to the Credit Policy team based on your underwriting experience to enhance credit policies and procedures will be part of your responsibilities. Conducting industry analysis to stay informed about trends and risks affecting MEF and SFP loan segments will be crucial. Key Performance Indicators (KPIs) for your role will include Turnaround Time (TAT), Portfolio Quality, Quality of Appraisal, Cost Management, and Implementation of Processes. To excel in this role, you should possess a minimum of 3-5 years of experience in Credit Underwriting. Technical competencies such as positive attitude, excellent analytical skills, strong communication, and in-depth product knowledge will be necessary. Proficiency in understanding asset types, legal, and technical reports related to financed properties will also be required. Personal attributes like excellent presentation skills, strong communication abilities, high analytical aptitude, dedication, and effective liaising skills will contribute to your success in this position. The mandatory educational qualifications for this role are Chartered Accountant (CA) or MBA (Finance) on a full-time basis.,

Responsibilities: * Conduct credit analyses using established guidelines * Collaborate with sales team on new business opportunities * Evaluate credit risks through thorough analysis Health insurance Annual bonus Provident fund

MEGA Walk in Drive!! STARTEK welcomes Experienced professionals for the role of Underwriting Executive for International Voice/ Non Voice Process Empower Global Brands. Build Your Future with Us Where Skills Meet Global Impact Join the BPO Revolution! HR Name - Alisha A. HR Contact - 8826179338 Date of Interview - 11th July 2025 - 13th July 2025 Interview Location - Startek ITPL, 6th Floor, Explorer Building, Pattandur Agrahara, Whitefield, Bengaluru - 560066. Interview Time - 12:30 PM -- 05:30 PM 5 days working Rotational shifts & Rotational week Offs Location - Bengaluru About US - Our associates are central to our mission of combining people, technology, and data to deliver customer experience excellence for leading brands. As a global CX solutions provider with 38,000 people in 12 countries, our teams come from many different backgrounds with rich and varied experiences. Our Values unite us, creating a shared set of behaviors that are common to all associates across Startek regardless of region or role. Our Values work together to guide our decision-making and shape the experience of our associates, our clients, and our shareholders. Job Description Review and analyse financial statements of businesses seeking loans or insurance Assess the risk associated with loan applications and insurance policies Determine the creditworthiness of applicants using financial ratios and other metrics Prepare detailed reports on the financial status and risk levels of applicants Negotiate terms and conditions of loans and insurance policies with clients Collaborate with sales and account management teams to meet client needs Monitor existing accounts and update risk assessments as necessary Ensure compliance with regulatory guidelines and internal policies Maintain accurate and comprehensive records of underwriting activities Provide recommendations for approval or denial of loan and insurance applications Eligibility Criteria Bachelors degree in a related field (e.g., finance, business, or insurance) Minimum 1.5 year of experience as an Underwriter Commercial/ Credit/ Renewal/ Insurance domain Prior experience into Live Underwriting Strong analytical and decision-making skills Excellent attention to detail and accuracy Knowledge of insurance industry regulations and guidelines Effective communication and interpersonal skills Ability to work independently and as part of a team Knowledge of how insurance industry works in US preferred Flexible working in US Shifts Interview Process HR Screening Operations round Salary Discussion Benefits – Quarterly Bonus Free Transportation (2-way cab provided round the clock) Your Resume Is Your Gateway to Success. Send It Today WhatsApp – 91+ 8826179338 Email – alisha.alexander@startek.com

As an Area Sales Manager for Channel Sales Loan Against Property (LAP) at Tata Capital, you will be responsible for scaling up business volumes by driving partner-sourced leads and ensuring high-quality portfolio acquisition. Key Responsibilities: Manage and grow LAP business through channel partners like DSAs, connectors, and corporate agents. Ensure regular engagement, training, and productivity tracking of partners. Drive sourcing, customer conversion, and quality disbursals as per monthly targets. Monitor TAT, documentation quality, and compliance to internal and regulatory policies. Provide timely feedback to partners on documentation, credit policies, and turnaround times. Ensure superior customer experience from application to disbursal. Identify and onboard high-potential sourcing partners in untapped micro-markets. Work closely with credit, legal, and operations teams to ensure timely processing and approvals. Report on performance metrics, highlight challenges, and propose strategies for growth. Requirements: Graduate/Postgraduate with 4-8 years of experience in LAP channel sales. In-depth understanding of LAP products, credit profiling, and channel engagement. Proven ability to manage external stakeholders and deliver business goals. Good knowledge of regional markets and ability to travel within assigned areas.

Roles and Responsibility Drive sales at the branch level and ensure achievement of sales targets through effective team handling. Build, manage, and promote relationships with channel partners to generate new customer leads. Lead and manage DSTs at the branch to achieve business objectives. Interface with customers and provide efficient service to ensure high levels of customer satisfaction. Work towards building a credit-worthy portfolio at the branch to minimize risk and maximize revenue. Analyze market trends and competitor activity to identify opportunities for growth and improvement. Job Requirements Graduate or postgraduate degree in any discipline. Minimum 2 years of experience in secured business loan, preferably in home loans or loan against property. Possess good knowledge of the local market and its dynamics. Demonstrate excellent communication skills and the ability to understand property valuation and legal and technical norms. Ability to work in a fast-paced environment and meet sales targets. Strong leadership and team management skills are essential.

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 problemsExceed 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

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. Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

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