Credit Underwriter

Appraising the creditworthiness of the customers availing loans.

Worked in Unsecured Personal Loan.

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money

Evaluate customer records and recommend payment plans based on data earnings, savings, payment history and purchase activity.

Understanding business models, critical analysis of business and financial risks, financial ratio analysis, credit meetings to evaluate customers financial status.

Comprehensive offbalance sheet analysis of the borrower with respect to banking, tax returns, debtorscreditors analysis, creditworthiness, background check, CIBIL, ROC and various other compliance etc.

Compare liquidity, profitability and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

Complete loan applications, including credit analyses, summaries of loan requests, risk involved, risk mitigates, scrutinizing relevant documents before sanctioningdisbursing loans, ensuring compliance with credit policies and presenting the recommendations for the proposal to the Credit committees for approval.

Analyzing the portfolio health and risk involved in particular segment of assets profile and giving timely feedback to the sales team in the region.

Ensuring portfolio quality is maintained to the highest standards and delinquency is under control.

Performing Credit follow-ups on parameters to establish credit-worthiness of clients for approval of credits.

Scrutinizing the documents provided by customers for ensuring compliance to all rules & regulations.

Skills

• Attention to financial details, Understand Lending requirements, Analytical capable of evaluating financial information
• Functional Area
• Underwriting
• Education
• Any Graduate, Post Graduate
• Please fill details and apply
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