2874 Credit Underwriting Jobs - Page 27

As a Mortgage Underwriter in the assigned branch/location, your primary responsibility will be to review and assess a wide range of complex loan applications within established guidelines. You will make decisions on loan approvals or recommend them to higher authorities. It is crucial to underwrite proposals in accordance with policies and procedures to meet agreed service level agreements and manage business volumes effectively. Personal discussions with customers are essential to establish creditworthiness and ensure completion of credit/KYC documents through telephonic, field visits, and collateral verification. Understanding income to obligation ratios and loan to value ratios, along wit...

Position Purpose This role is responsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth. Responsibilities To be referred to the Credit Analyst Charter and Mission Statement. Direct Responsibilities Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks. Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analysts judgment. Ensure that annual review / t...

Credit Appraisal & Underwriting Assess & underwrite loan applications in the HL & LAP segment, including financial analysis & credit decision-making within authority limits. Manage the end-to-end credit process from application login through sanction

Job Title: Credit Underwriter Location: Bangalore Experience: 4+ years Approval Authority: 15 to 20 Lakhs Job Description : We are looking for an experienced Credit Underwriter to assess and approve loan applications up to 1520 Lakhs. The ideal candidate should have strong analytical skills, sound judgment, and prior experience in credit underwriting. Key Responsibilities : Evaluate creditworthiness of loan applicants Must have approval loan applications up to 15–20 Lakhs • Approve/recommend loans within assigned authority limits • Analyze financial data, credit reports, and other relevant documents • Ensure compliance with company policies and regulatory requirements • Work closely with sal...

Role Overview The Credit Manager will be responsible for underwriting affordable LAP proposals within defined policy parameters while ensuring portfolio quality. The role requires strong analytical skills, knowledge of customer profiles in the affordable segment, and the ability to balance business growth with risk management. Key Responsibilities Application Assessment Independently evaluate loan applications within policy framework and delegated authority. Analyze customer income, banking, credit bureau, and repayment capacity. Conduct property due diligence including legal, technical, and valuation reports. Policy Adherence Ensure all approvals are strictly in line with credit policies, d...

Role Overview The Credit Manager will be responsible for underwriting affordable LAP proposals within defined policy parameters while ensuring portfolio quality. The role requires strong analytical skills, knowledge of customer profiles in the affordable segment, and the ability to balance business growth with risk management. Key Responsibilities Application Assessment Independently evaluate loan applications within policy framework and delegated authority. Analyze customer income, banking, credit bureau, and repayment capacity. Conduct property due diligence including legal, technical, and valuation reports. Policy Adherence Ensure all approvals are strictly in line with credit policies, d...

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 c...

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...

Key Responsibilities Application Assessment Independently evaluate loan applications within policy framework and delegated authority. Analyze customer income, banking, credit bureau, and repayment capacity. Conduct property due diligence including legal, technical, and valuation reports. Policy Adherence Ensure all approvals are strictly in line with credit policies, delegation matrices, and regulatory guidelines. Escalate exceptions with proper risk justification and documentation. Portfolio Quality through Underwriting Maintain high-quality underwriting standards to ensure minimal delinquency in the approved portfolio. Drive alignment with IRR targets by balancing risk, product mix, and pr...

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 r...

Industry :- BFSI Designation :- Regional Credit Manager Location :- Chennai Product :- Car Loan, Auto Loan, or CV Loan ( must experience ) Roles and Responsibilities Manage a team responsible for credit appraisal and approval of Auto loans or CV Loans. Conduct thorough credit analysis, assessment, and risk evaluation to ensure timely decision-making. Develop and maintain strong relationships with dealerships across India to drive business growth. Ensure compliance with regulatory requirements and internal policies related to credit management. Collaborate with other departments (e.g., sales, operations) to resolve customer queries and issues. Desired Candidate Profile 7-10 years of experienc...

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. Location - Mumbai, Delhi, Pun...

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.

o Responsible for personal discussion of cases as per the laid down policies & procedures and maintain strict adherence to quality. o Adhere to agreed SLAs and timelines in completing the activities assigned. o A skill set of underwriting, disbursements, collateral, coordination with cross function sales operation function o Responsible for protecting company assets through proper evaluation of all credit requests, establishing credit limits and ensuring that all loans granted are adequately documented and secured by the appropriate collateral o Ensure proper communication of credit decisions to Stakeholders. o Responsible for improving underwriting efficiencies while ensuring adequate risk ...

1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. 2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. 3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. 4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. 5. Maintain Portfolio MIS, Delinquency MIS and other operation...

JD - Relationship Manager-Bharat Business The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. . Key Responsibilities: . Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA...

JD - Relationship Manager-Bharat Business The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. . Key Responsibilities: . Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA...

Department Mid Market Credit Location Hyderabad Number of Positions 01 Reporting Relationships Position Grade M5/M6 Job Role Preparation of Credit Appraisal notes for Mid Markets segment. Average ticket size of borrowing Rs. 500-1000Crs Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtaining information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly Monitoring Reports for the portfolio. Escalate with action plan for non compliances. Visit the units. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job: 8-12 years i...

JD - Relationship Manager-Bharat Business The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. . Key Responsibilities: . Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA...

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Job Role: Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the J...

JD - Relationship Manager-Bharat Business The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: . Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA p...

JD - Relationship Manager-Bharat Business The Relationship Manager - LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: . Business Development: o Source new clients through market visits, channel partners, and referrals. o Promote LAP and affordable home loan products in the assigned territory. o Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA p...

Department Mid Market Credit Location Hyderabad Number of Positions 01 Reporting Relationships Position Grade M5/M6 Job Role Preparation of Credit Appraisal notes for Mid Markets segment. Average ticket size of borrowing Rs. 500-1000Crs Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtaining information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly Monitoring Reports for the portfolio. Escalate with action plan for non compliances. Visit the units. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job: 8-12 years i...