1832 Credit Underwriting Jobs - Page 19

PaisaBuddy is looking for Credit Manager- [Credit - Solar Finance] 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

Role & responsibilities Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies and maintaining TAT. Responsible for Effective TAT Management. Understanding & Managing Process adherence Documentation & File Processing Taking care of RIC verification of customer documents. Taking care of audit queries on data entry. Preparing local business MIS. Assessing overall Credit Eligibility of customer & recommended the case to higher authority • Policy -Deviation Tracking. Post disbursal document tracking and updation in system Key Responsibilities Responsible for Process and Policy Adherence. Responsible for Effective Cost Management. Preferred candidate profile Graduate. • 3-6 yrs experience. Good communication and pleasing personality. High level of Self Drive/Enthusiasm \ Desirable Skills • Good communication and pleasing personality. • High level of Self Drive/Enthusiasm Contact Suresh HR (9885101683

Form ID: AR/CHR/22-23/0001.2 JOB DESCRIPTION 1. JOB DETAILS Position title:Credit Officer Department:Credit Department Reports to:Central Credit Manager (CCM) Location:Kolkata, Bengaluru Band / GradeSr. Executive/Asst. Manager 2. JOB SUMMARY Credit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan. Fill all the form & formats with due quality checks, complete eligibility analysis. Conduct Tele PD/Video PD as per our policy. Check Credit Bureau reports and loan repayment ability for the customer (Borrower & Co-Borrower). Check bank statement and business proof along with validation of it. Business evaluation/Cash Flow analysis/Check Customers' Market feedback/Credentials. Loan recommendation based on income assessment/cash flow In addition to the above, the employee may also be called upon to perform other tasks as may be required from time to time. 3 . JOB PROFILE5. Description Credit Processing Quality Check as per Credit Check list Credit Bureau Checks & check Repayment capacity Cash flow analysis and preparation of income assessment based on bank statement/ purchase bill/GST bill/supporting documents. Verification of business proof and vintage. Reference check of customer regarding business Conducting Tele PD/Video PD Recommendation based on income assessment Training Provide training to branch staff and inductees Portfolio management Ensures high quality portfolio by taking preventive and curative measures Helps branches in tackling over dues Keep track of product delinquency Take steps to reduce delinquency levels Reporting and MIS entry Timely MIS reporting Review records and registers pertaining to Bazaar HTS loan maintained at the branch 4 . PERFORMANCE INDICATORS Business performance (Adherence to turn around time etc.) Portfolio quality Internal control findings Feedback from reporting officer Feedback from colleagues and other department 5. QUALIFICATION, EXPERIENCE, SKILLS Minimum Qualifications: Graduate (Preferred B.com) Minimum Experience: 3 years of credit experience in same product Skills: Good communication and interpersonal skills Key Competencies required: Credit appraisal experience in Micro enterprise loan

Form ID: AR/CHR/22-23/0001.2 JOB DESCRIPTION 1. JOB DETAILS Position title:Credit Officer Department:Credit Department Reports to:Central Credit Manager (CCM) Location:Kolkata, Bengaluru Band / GradeSr. Executive/Asst. Manager 2. JOB SUMMARY Credit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan. Fill all the form & formats with due quality checks, complete eligibility analysis. Conduct Tele PD/Video PD as per our policy. Check Credit Bureau reports and loan repayment ability for the customer (Borrower & Co-Borrower). Check bank statement and business proof along with validation of it. Business evaluation/Cash Flow analysis/Check Customers' Market feedback/Credentials. Loan recommendation based on income assessment/cash flow In addition to the above, the employee may also be called upon to perform other tasks as may be required from time to time. 3 . JOB PROFILE5. Description Credit Processing Quality Check as per Credit Check list Credit Bureau Checks & check Repayment capacity Cash flow analysis and preparation of income assessment based on bank statement/ purchase bill/GST bill/supporting documents. Verification of business proof and vintage. Reference check of customer regarding business Conducting Tele PD/Video PD Recommendation based on income assessment Training Provide training to branch staff and inductees Portfolio management Ensures high quality portfolio by taking preventive and curative measures Helps branches in tackling over dues Keep track of product delinquency Take steps to reduce delinquency levels Reporting and MIS entry Timely MIS reporting Review records and registers pertaining to Bazaar HTS loan maintained at the branch 4 . PERFORMANCE INDICATORS Business performance (Adherence to turn around time etc.) Portfolio quality Internal control findings Feedback from reporting officer Feedback from colleagues and other department 5. QUALIFICATION, EXPERIENCE, SKILLS Minimum Qualifications: Graduate (Preferred B.com) Minimum Experience: 3 years of credit experience in same product Skills: Good communication and interpersonal skills Key Competencies required: Credit appraisal experience in Micro enterprise loan

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

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations. 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. Location: Mumbai,Pune,Bengaluru,Hyderabad,Chennai,delhi

Good experience in credit monitoring - financial modelling and credit risk assessment memos Preparing opinion based credit reports and financial models 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.

Role & responsibilities Specific experience in Credit underwriting, Knowledge of business loan, Maximum ticket should be more than 50 lakh, experience in secured loan, Credit analysis, credit appraisal, PD Visit Preferred candidate profile Any graduate Age upto 30 yrs

Credit Process Associate / Credit Underwriter Location: Bangalore Experience: 1-3 years Qualification: Bachelor's/Masters degree in Finance, Accounting, Economics, or a related field Job Responsibilities: Analyze financial statements, credit reports, and other relevant documents to assess creditworthiness. Conduct risk assessments and determine credit limits for loan applicants. • Evaluate applications based on predefined credit policies and regulatory guidelines. Collaborate with sales teams, risk teams, and other stakeholders to streamline credit decision-making. Monitor borrower profiles and maintain updated records of credit approvals. • Identify potential risks and recommend risk mitigation strategies. • Ensure compliance with company policies, regulatory requirements, and industry standards. Work on automation tools and credit scoring models for efficiency improvement. • Prepare detailed reports on creditworthiness, approvals, and rejections. Skills & Qualifications: Strong analytical and financial assessment skills. Knowledge of credit policies, financial ratios, and lending principles. Proficiency in financial modeling and risk assessment tools. Good communication and decision-making abilities. Experience with credit assessment software and databases (preferred) Interested and experienced candidates can apply by: Call/WhatsApp: 9205488912 (Pragati) Email: pragti.saxena@cielhr.com

Job Purpose To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement. Adherence to the policy/process laid out by the Central team on all application being processed Very close monitoring on Non-starters / EMR / 3-30 & 6-60 trends so as to ensure healthy portfolio. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives. To ensure vendor report quality

Role & responsibilities To assess, evaluate review and approve credit proposals as a first level officer for the Wholesale Banking relationships which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams in line with the banks risk appetite Partner with business, CAD, Operations and compliance teams to help in meeting regulatory compliance with respect to credit dispensation and monitoring including end use. To convey a clear opinion regarding the acceptability of the proposed transaction/ facilities, from risk point of view, covering business model, industry risk, structure, financial risk & regulations Meet business counterparts on a defined periodicity (monthly or otherwise) for reviewing Early Warning Signals and Close Monitoring. Focused house-keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team. To partner with business, CAD and operations and compliance To help review end use monitoring on defined periodicity (to be covered on a quarterly basis). To address issues/ responding to RBI auditors on credit matters. Appropriate level of client calling to develop strong understanding of client business and industry dynamics Preferred candidate profile Strong technical & analytical skills. Strong written and verbal communication & negotiating skills Expert knowledge in analyzing financial statements. Banking Product & Process Knowledge Understanding of accounting principles, banking & commercial laws and Regulatory Knowledge Excellent knowledge of competition & current trends in financial Industry .

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Build strong relationships with customers and stakeholders. Monitor and report on credit performance metrics. Collaborate with cross-functional teams to achieve business objectives. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Experience with credit management software and systems. Strong attention to detail and organizational skills.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 14 years of experience in the BFSI industry, with expertise in credit management. Roles and Responsibility Manage and analyze credit data to make informed decisions on loan approvals. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Conduct thorough credit assessments and provide recommendations for approval or denial. Monitor and report on credit portfolio performance, identifying areas for improvement. Stay up-to-date with regulatory changes and industry trends to ensure compliance. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, problem-solving, and communication skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong understanding of financial mkets, instruments, and institutions. Experience working with diverse stakeholders, including customers, colleagues, and external partners.

We are looking for a skilled Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 5-12 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and control credit portfolio quality and growth. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit teams and driving business results. Competitive salary and benefits will be offered to the right candidate.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analyses to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with industry trends and developments to enhance credit operations. Job Requirements Strong understanding of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment with multiple priorities. Proficiency in financial modeling and data analysis tools. Strong attention to detail and organizational skills. Experience working with diverse customer groups and stakeholders.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit software and systems. Strong attention to detail and organizational skills.

We are looking for a highly motivated and experienced Branch Receivable Officer to join our team at Equitas Small Finance Bank. The ideal candidate should have 0-4 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch's receivables. Develop and implement strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to resolve customer complaints and issues related to payments. Analyze financial data to identify trends and areas for improvement in the bank's receivables. Ensure compliance with regulatory requirements and company policies. Maintain accurate records and reports of all transactions and interactions with customers. Job Requirements Strong knowledge of banking operations, including credit and collections processes. Excellent communication and interpersonal skills to build strong relationships with customers and colleagues. Ability to work in a fast-paced environment and meet deadlines. Proficiency in using computer systems and software applications relevant to banking operations. Strong analytical and problem-solving skills to analyze financial data and identify areas for improvement. Ability to work collaboratively as part of a team to achieve common goals.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1 to 6 years of experience in the BFSI industry, with a strong background in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analyses to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with industry trends and developments to enhance credit operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Proficiency in financial modeling and data analysis tools. Strong understanding of risk management strategies and techniques. Experience working with small finance banks or similar institutions is preferred.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-4 years of experience in the BFSI industry, preferably with a background in MLAP. Roles and Responsibility Develop and maintain strong relationships with clients to understand their financial needs and provide tailored solutions. Identify new business opportunities and grow existing client relationships through effective sales strategies. Collaborate with internal teams to ensure seamless delivery of products and services to clients. Provide exceptional customer service and support to resolve client queries and concerns. Stay updated on market trends and competitor activity to stay ahead in the competition. Achieve sales targets and contribute to the growth of the organization. Job Requirements Proven experience in relationship management within the BFSI industry, preferably in MLAP. Strong understanding of financial products and services, including loans and investments. Excellent communication and interpersonal skills to build strong client relationships. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills to identify new business opportunities. Experience working with small finance banks or similar institutions is an advantage.

We are looking for a skilled Branch Receivable Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 4-7 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch receivables function. Develop and implement strategies to improve cash flow and reduce bad debts. Collaborate with cross-functional teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement. Ensure compliance with regulatory requirements and internal policies. Maintain accurate records and reports of branch receivables transactions. Job Requirements Strong knowledge of accounting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other relevant software applications. Strong analytical and problem-solving skills. Experience working in a similar role within the BFSI industry is preferred.

We are looking for a skilled Branch Receivable Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 4 years of experience in the BFSI industry, with a strong background in managing receivables and driving business growth. Roles and Responsibility Manage and oversee the branch's receivable portfolio, ensuring timely payments and minimizing bad debts. Develop and implement strategies to improve cash flow and reduce receivables. Collaborate with cross-functional teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement in receivables management. Ensure compliance with regulatory requirements and internal policies related to receivables. Lead and motivate a team of receivables professionals to achieve departmental goals. Job Requirements Strong knowledge of accounting principles and practices, particularly in receivables management. Excellent communication and interpersonal skills, with the ability to work effectively with customers and colleagues. Proficiency in financial analysis and problem-solving, with attention to detail and accuracy. Ability to lead and manage a team, focusing on motivation and development. Strong understanding of the BFSI industry, including banking regulations and compliance requirements. Experience with financial software and systems, particularly in receivables management.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry, preferably with a background in merchant operations. Roles and Responsibility Manage and maintain strong relationships with existing merchants to increase business growth. Identify new business opportunities and develop strategies to expand the customer base. Collaborate with internal teams to ensure seamless execution of merchant onboarding and disbursement processes. Develop and implement effective sales plans to achieve business targets. Provide exceptional customer service and support to resolve merchant queries and issues. Analyze market trends and competitor activity to stay ahead in the competitive landscape. Job Requirements Strong knowledge of BFSI products and services, particularly in merchant operations. Excellent communication and interpersonal skills to build strong relationships with merchants. Ability to work in a fast-paced environment and meet business targets. Strong analytical and problem-solving skills to analyze market trends and competitor activity. Experience working with small finance banks or similar institutions is preferred. Familiarity with regulatory requirements and compliance frameworks governing the BFSI industry.

We are looking for a highly motivated and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Develop and maintain strong relationships with existing clients to increase business growth. Identify new business opportunities and expand the client base. Provide excellent customer service and support to clients. Collaborate with internal teams to achieve sales targets and objectives. Analyze market trends and competitor activity to stay ahead in the market. Build and maintain a strong understanding of client needs and preferences. Job Requirements Proven experience as a Relationship Manager or similar role in the BFSI industry. Strong knowledge of financial products and services, including savings accounts, loans, and investments. Excellent communication and interpersonal skills are required to build strong relationships with clients and colleagues. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills to analyze market trends and competitor activity. Experience working with small finance banks or similar institutions is preferred.

We are looking for a highly motivated and experienced professional with 1-2 years of experience to join our team as a Receivable Executive in Equitas Small Finance Bank, located at [insert location if provided]. The ideal candidate will have a strong background in the BFSI industry. Roles and Responsibility Manage and maintain accurate records of receivables and payables. Develop and implement effective strategies to improve cash flow and reduce bad debts. Collaborate with cross-functional teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement. Ensure compliance with regulatory requirements and internal policies. Provide excellent customer service and support to clients. Job Requirements Strong knowledge of accounting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other relevant software applications. Strong analytical and problem-solving skills. Ability to maintain confidentiality and handle sensitive information.