626 Credit Assessment Jobs

The role of Relationship Manager-Tractor Loan in the Rural Banking department involves providing financial solutions to meet the needs of Tractor Loan customers and ensuring top-notch customer service. Collaboration with product and operations teams is essential to drive customer acquisition, servicing, and deepening. As the key point of contact, you will strive to offer customers a superior banking experience and foster lasting relationships. Your responsibilities include acquiring new Tractor Loan customers, conducting credit assessments, and delivering comprehensive solutions. Additionally, you will engage with existing customers through communication channels, provide market insights, and onboard new Dealers, DSA, and DST partners. Generating sales leads, training internal team members, resolving customer queries, and staying updated on competitor products are crucial aspects of the role. Monitoring channels and team performance, evaluating growth strategies, and proposing service enhancements are also part of your duties. Sales planning, promotions, and marketing initiatives will be key focus areas to drive business growth. In terms of managerial and leadership responsibilities, you will be tasked with attracting and retaining top talent within your team, monitoring employee productivity and hiring quality, and supporting teams to achieve growth targets. A successful candidate for this position should possess a Bachelor's degree in BA, BCom, BBA, BSc, BTech, BE, or any other relevant field, along with 2 to 5 years of experience in branch banking.,

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a broad range of complex loan applications within defined guidelines. You will need to make decisions on loan applications or recommend them for approval to higher authorities. It is essential to underwrite proposals as per the laid down policies & procedures to meet agreed Service Level Agreements (SLAs) and manage city/area business volumes effectively. Your role will involve conducting personal discussions with customers to establish their creditworthiness. This includes ensuring the completion of credit/Know Your Customer (KYC) documents and verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind the calculation of these ratios and their impact on loan performance over long tenures. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operations-related MIS of the cluster will be part of your responsibilities. You will regularly report on these metrics. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is crucial. Addressing client queries, using industry knowledge and experience to overcome challenges, and striving for continuous process improvement are expectations from this role. You will be required to undertake a critical review of credit proposals, identifying industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation to facilitate decision-making on credit proposals is essential. Facilitating quick turnaround time of credit lending proposals for mortgage business, including loans against property and home loans, in close collaboration with the sales team will be part of your duties. Continuous monitoring of credit exposures to ensure bankable exposure, critical review, and documentation of proposals, monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when required, while adhering to legal & documentation norms & policies are key aspects of the role. Managing the credit underwriting function of your branch, facilitating quick turnaround of credit lending proposals by working closely with local credit analysts and the sales team are also part of the responsibilities. Additionally, you will need to follow up and ensure the recovery of quick mortality cases between 12 - 18 months of vintage. Qualifications required for this role include a Graduate degree, and preference will be given to candidates with Masters/Post Graduate qualifications. Certifications such as CA/MBA are preferable for this position.,

You will be joining our team as a Credit Officer/Credit Manager for all products. Your primary responsibility will be to explore the eligibility criteria based on the respective bank's policy and prepare credit Management Information System (MIS). Your duties will include: - Preparation of eligibility Credit Appraisal Memo (CAM) for all high value loan proposals. - Creation of a one-pager note, specifically tailored for high value loan proposals. - Conducting Tele-Personal Discussion (PD) or In-person PD with clients as needed. - Compiling and maintaining credit MIS. - Updating and sharing bullet points of all bank policies with stakeholders. - Collaborating with Credit & Operations Head, Sales Coordinator, and Sales team to recommend the most suitable banker based on client needs. The ideal candidate will possess the following qualifications and skills: - A degree in Commerce, MBA Finance, or CA qualification would be advantageous. - Proficiency in financial ratio analysis and comprehension. - Strong assessment skills, particularly in analyzing Self-Employed profiles. - Age and salary are not limiting factors for the right candidate. - Ability to understand client requirements, determine eligibility, and recommend the most suitable banker based on their policies.,

As a Credit Assessment professional, your primary responsibility will be to assess the creditworthiness of both new and existing customers. This will involve analyzing financial information and credit reports to make informed decisions. In addition to credit assessment, you will play a crucial role in the Invoicing process. Your duties will include ensuring accurate and timely invoicing of customers, as well as following up on any discrepancies that may arise. Your attention to detail will be key in ensuring that all corrections are made promptly. Furthermore, you will be involved in the implementation of Credit Policies within the company. This will require you to assist in the development and enforcement of these policies and procedures, working towards maintaining a consistent approach across all credit-related activities. Collaboration will be a key aspect of your role, as you will work closely with the sales and finance teams to align credit policies with the overall business objectives. Your ability to communicate effectively and build strong working relationships will be essential in this aspect of the job. This is a Full-time position with a Day shift schedule. The ideal candidate will have at least 1 year of total work experience in a similar role. The work location is In person. If you are interested in this opportunity, please reach out to the employer at +91 8076469618 to discuss the role further.,

Roles and Responsibilities Conduct credit appraisal, assessment, and evaluation of loan proposals to determine creditworthiness. Perform physical verification of assets to verify collateral value. Review financial statements, industry trends, and other relevant data to inform lending decisions. Collaborate with internal stakeholders to resolve queries and ensure smooth processing of loans. Maintain accurate records of all transactions and communicate effectively with customers. Desired Candidate Profile 4-7 years of experience in Credit Management or related field (NBFC). Strong understanding of credit underwriting principles, policies, and procedures. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while maintaining high levels of accuracy. Interested candidates can share their updated CV on below mentioned email id Email id:- poonam.sharma@aavas.in

Roles and Responsibilities Manage credit proposals from field teams, ensuring timely completion of appraisal reports within TAT. Conduct thorough credit assessment and analysis to determine loan eligibility. Perform field verifications to gather required documents and information for loan processing. Ensure compliance with regulatory guidelines and internal policies during credit approval process. Desired Candidate Profile 2-5 years of experience in Credit Management, preferably in an NBFC or banking industry. Strong understanding of credit appraisal, assessment, and approval processes. Excellent communication skills for effective collaboration with team members and stakeholders. Ability to work independently with minimal supervision while maintaining high levels of accuracy and attention to detail. Interested candidates can share updated cv on tushar.ravalji@aavas.in or whats up 9057409096

Role & responsibilities Anchor and manage Financial Management Information System for the organization including P&L and other Business Dashboards Development, Automation and Publishing of all Business, Operations and People related MIS for the organization Partner with various internal business stakeholders for discussion relating to various financial parameters as well as ad-hoc analysis Budgeting, Forecasting and Provisioning for Income and OPEX Strict and timely monitoring of P&L and Balance Sheet lines to ensure regular granular tracking of stated business outcomes Drive expense management and analytics through deep understanding of cost booking processes and systems Continuously improve and simplify expense allocation methodology across departments Design and institutionalize systematic OPEX dashboards and MIS

Role & responsibilities Variance Analysis of the Budget vs Actuals Preparing segment level profitability Interaction with the field on cost control & giving various input for the field in improving productivity Analysis on current problematic areas Perform quantitative/qualitative analysis to support the evaluation of corporate growth strategies and business development opportunities Structure and execute Information Memorandums, sophisticated financial analyses, and models, including ROI calculations and sensitivity/risk analyses, to evaluate the impacts of strategies, potential partnerships, and new ventures etc... Perform market research, landscape, and sizing analyses to support strategy formulation Develop and manage strategic partnerships opportunities with external parties Identify process improvement opportunities and work with relevant stakeholder to recommend solutions

Role & responsibilities Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Banks products Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates Bank's products in the market Market Research Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance

The Senior Relationship Manager plays a key role in assisting clients with fundraising in the capital markets and providing strategic advisory services for financial transactions. Working closely with the Institutional Banking team, you will act as a strategic advisor to clients by formulating investment strategies and raising capital. Additionally, you will serve as an intermediary in trading for clients, ensuring their financial needs are met effectively. Responsibilities: - Expand a portfolio of accounts with varying financial needs to drive revenue growth and maintain good credit quality in accordance with Citis credit standards - Identify customer needs and propose solutions such as financing, cash management optimization, foreign currency solutions, etc. - Cross-sell a range of banking products including cash management, trade finance, structured trade products, fixed income, loans, and capital market products - Manage all credit aspects of client relationships, including annual reviews, early problem identification, and remedial management - Evaluate risk effectively in business decisions, prioritizing the firm's reputation and compliance with laws and regulations Qualifications: - 6-10 years of relevant experience - Strong knowledge of credit analytics and financial modeling - Demonstrated expertise in risk assessment and valuation Education: - Bachelor's degree or equivalent experience; Master's degree preferred This job description offers a comprehensive overview of the role's responsibilities and requirements. While focusing on Institutional Banking within the Corporate Banking job family, this position offers a full-time opportunity at Citi, an equal opportunity and affirmative action employer. Citi and its subsidiaries encourage all qualified individuals to apply for career opportunities. If you require accommodations due to a disability, please refer to the Accessibility at Citi guidelines.,

As a Credit Analyst, your primary responsibility will be to analyze and assess the financial statements and credit history of both existing and potential clients. You will be required to review credit applications, conduct credit checks, structure deals, and perform risk assessments. Your ability to make well-informed decisions supported by thorough assessments will be crucial in this role. Additionally, you should be capable of handling multiple projects simultaneously, ensuring timely submission of applications, and engaging in financial forecasting. Practicing due diligence and staying updated with the company's lending protocols are essential aspects of this position. You will need to have a Bachelor's degree in finance, accounting, or a related business field. Proficiency in MS Office and general computer use is required. The role demands effective management of competing project deadlines in a high-pressure environment, sometimes with varying levels of supervision. Attention to detail is key, as you will be expected to identify discrepancies in data and possess a strong grasp of financial statements, ratios, and concepts. In return, you can expect a negotiable compensation package based on your profile. This role offers you the opportunity to become part of an early-stage fintech startup, where you can truly make an impact. High performers will receive additional exposure, recognizing and rewarding excellence in your contributions.,

Job Description: As a Credit Officer/Credit Manager, your primary responsibility will be to evaluate the eligibility criteria as per the respective bank's policy and generate credit Management Information System (MIS). Your role will involve preparing detailed Credit Appraisal Memo (CAM) for high-value loan proposals, creating concise one-pager notes for such proposals, and conducting Tele or In-person Personal Discussions (PD) with clients when necessary. Additionally, you will be in charge of maintaining and updating all bank policies and communicating key points to stakeholders. Collaboration with the Credit & Operations Head, Sales Coordinator, and Sales team to recommend the most suitable banker based on client requirements will also be part of your duties. Requirements and Skills: - Possess a degree in Commerce, MBA in Finance, or be a Chartered Accountant (CA) with an added advantage. - Proficient in financial ratios and financial analysis. - Strong assessment skills, particularly in evaluating Self-Employed profiles. - Age and salary are not limiting factors for the right candidate. - Ability to comprehend client needs, determine eligibility, and recommend an appropriate banker based on their policies.,

The Credit Manager role involves managing the company's credit and collections process to ensure sound financial practices and minimize credit risk. Your responsibilities will include assessing creditworthiness, approving or declining credit applications, setting credit limits, and overseeing collections activities to maintain a healthy cash flow for the organization. You will be responsible for evaluating and analyzing credit applications, financial statements, and other relevant documents to determine the creditworthiness of clients. Additionally, you will develop and implement credit risk assessment tools and models, as well as establish and refine the company's credit policies and procedures to minimize risk while ensuring compliance with regulatory requirements. In this role, you will conduct periodic risk assessments of clients, monitor their credit performance, identify potential risks, and develop mitigation strategies to safeguard the organization's financial assets. You will also maintain accurate records of credit transactions, manage the aging report, and prepare regular reports on credit performance, outstanding debts, and collection activities for senior management. As a Credit Manager, you will supervise and support the credit control team, providing guidance and training to enhance their skills and effectiveness. You will set performance targets, monitor progress, and ensure the team meets organizational objectives. Key Requirements: - Bachelor's degree in Finance, Accounting, Business Administration, or a related field. - Proven experience (X years) as a Credit Manager or similar role in credit risk management. - Strong understanding of credit assessment and risk management principles. - Excellent analytical and decision-making skills. - Proficient in financial analysis and credit evaluation tools. - Strong communication and negotiation skills. - Ability to lead and motivate a team effectively. Preferred Qualifications: - Professional certification (e.g., Certified Credit Professional, CPA) is a plus. - Experience with credit management software and ERP systems. - Knowledge of industry-specific regulations and compliance requirements. This is a full-time position with benefits including health insurance and a performance bonus. The work schedule is during the day, fixed from Monday to Friday with weekend availability. The education requirement is a Bachelor's degree, and the experience required includes 3 years in banking and 2 years in financial analysis. The work location is in person, and the application deadline is 17/10/2024 with an expected start date of 11/10/2024.,

As a Standard Chartered Relationship Manager in SME Banking, you will be responsible for managing and developing relationships with mid-sized and emerging corporates to drive business growth and meet the bank's strategic objectives. Your role will involve providing exceptional customer service by offering financial solutions while effectively managing operational risk and regulatory requirements. Your key responsibilities will include achieving agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. You will also contribute towards achieving the team's overall target and delivering optimal portfolio return. Collaboration and building effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, colleagues in Client Due Diligence, and partners in Risk, Compliance, and other support functions and Product will be essential in your role. To be successful in this position, you should have a minimum of 5 years of relevant experience in serving Business, Commercial, and Corporate clients. Experience in servicing cross-border international businesses will be beneficial. A proven track record in client relationship management and business development is required. You should demonstrate a strong understanding of accounting principles, financial modeling, and financial statement analysis. The ability to assess client creditworthiness and provide key risk considerations and mitigations is crucial. Sound product knowledge in trade, cash, lending, and FX, along with a strong understanding of local industries, supply and value chains, and the market environment is necessary. Knowledge of operational procedures, documentation requirements, banking practices, regulations related to SME Banking, business guidelines, compliance issues, financial markets, and investment products is also important. Excellent communication and presentation skills are expected, along with being a motivated self-starter who identifies opportunities and provides innovative approaches to meet client needs. Maintaining a high standard of personal conduct and living by the valued behaviors of the organization is essential. As part of Standard Chartered, you will be working for an international bank that is nimble enough to act and big enough for an impact. The bank aims to make a positive difference for its clients, communities, and employees. If you are seeking a career with purpose and want to work for a bank that is making a difference, Standard Chartered welcomes your application. The organization celebrates unique talents and values diversity and inclusion. Standard Chartered offers core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Various time-off opportunities are provided, including annual leave, parental/maternity leave (20 weeks), sabbatical (up to 12 months), and volunteering leave (3 days). The organization also supports proactive wellbeing through various programs, including mental health support, learning opportunities for personal growth, and a continuous learning culture that promotes reskilling and upskilling. By joining Standard Chartered, you will be part of an inclusive and values-driven organization that embraces diversity and respects individuals, allowing everyone to realize their full potential. The organization encourages continuous learning and growth, with access to physical, virtual, and digital learning opportunities. If you are invited to take assessments as part of the recruitment process, it indicates that your application has progressed to an important stage. For more information and to explore career opportunities at Standard Chartered, you can visit their careers website at www.sc.com/careers.,

As a Credit Assessment professional, your primary responsibility will be to evaluate the creditworthiness of Cleantech finance applicants, which includes both businesses and projects. This involves analyzing financial statements, credit reports, and other relevant data to assess risk profiles accurately. Your role will also involve providing well-supported credit recommendations, including credit limits and terms, and collaborating with cross-functional teams to ensure alignment with business objectives. In addition to credit assessment, you will be responsible for managing the credit portfolio effectively to minimize risks and maximize returns. This includes identifying early warning signs and taking proactive measures to mitigate potential losses. You will also need to ensure compliance with internal credit policies and regulatory requirements, contributing to the development and refinement of credit policies and procedures. Building and maintaining strong relationships with clients and partners will be crucial in this role. Your responsibilities will also include conducting comprehensive risk assessments, identifying potential credit risks and opportunities, as well as analyzing industry-specific risks and market dynamics affecting Cleantech projects. You will be required to prepare accurate and comprehensive credit reports and documentation while maintaining detailed records of credit assessments and decisions. Staying informed about Cleantech industry trends, market dynamics, and emerging risks is essential. You will need to apply market insights to credit assessments and risk management effectively. Additionally, you will be responsible for preparing divisional P&L reports for Lease Business, including India Desk and Japan Desk, performing COF rate and RM mapping, and executing adjustment entry uploads for PF Term loan reports into BO. Automating reporting processes to enhance efficiency and accuracy will also be part of your responsibilities. Furthermore, you will be expected to provide ad-hoc reports as required by the business to support decision-making and assist in generating data for CTLC debit notes, verifying their correctness. This role requires attention to detail, analytical skills, and the ability to work effectively in a dynamic environment.,

As a Relationship Manager Mortgage Loan LAP at Aye Finance Ltd, headquartered in Gurgaon, you will play a crucial role in managing and expanding mortgage loan portfolios for small and micro enterprises across India. Your responsibilities will include conducting credit assessments, processing loan applications, and maintaining strong client relationships. Leveraging your expertise in managing mortgage loans and credit assessment, you will ensure compliance with credit policies and procedures while providing financial advice to clients. To excel in this role, you should possess excellent communication and interpersonal skills, along with a knack for client relationship management and financial advisory. Your ability to work independently and collaboratively as part of a team will be essential in meeting the company's objectives. Any prior experience in the finance industry will be advantageous, and a Bachelor's degree in Finance, Business Administration, or a related field is preferred. Join Aye Finance Ltd in its mission to promote financial inclusion and empower micro-enterprises with access to business loans. Embrace the opportunity to work with a team that values sound business practices, innovation, and socio-economic growth. Be a part of an organization that believes in the potential of its entrepreneurs, investors, and employees, making it a rewarding and fulfilling workplace for all.,

You will be responsible for managing end-to-end credit underwriting and operations for secured loan products. This includes appraising loan applications, coordinating with legal and technical vendors, ensuring policy compliance, and supporting efficient loan disbursal processes across defined geographies. Your core responsibilities will include evaluating secured loan proposals across multiple customer segments, conducting due diligence on financial, business, and property-related documents, coordinating with legal and technical agencies for verification and valuation, maintaining turnaround times, overseeing document verification and processing for loan disbursal, ensuring data accuracy in internal systems, managing pre-disbursal and post-disbursal documentation, ensuring regulatory compliance, identifying and escalating exceptions, coordinating with various stakeholders, monitoring disbursement volumes and policy deviations, generating MIS reports, and providing insights for continuous improvement in underwriting and disbursement processes. To qualify for this role, you should have a graduate/postgraduate degree in Finance, Commerce, or Business Management, along with 3-6 years of experience in credit underwriting and secured loan operations in the NBFC/SFB/Banking domain. You should have a strong understanding of secured lending products and associated risks. Key skills required for this position include credit assessment, risk evaluation, knowledge of legal and technical documentation for property loans, familiarity with regulatory frameworks, coordination with cross-functional teams and third-party vendors, proficiency in MS Office and Loan Management Systems, as well as strong analytical and communication skills.,

As a Loan Underwriter, your primary responsibility will be to review and assess a wide variety of complex loan applications within the established guidelines. Based on your assessment, you will have the authority to make decisions or recommend them for approval to higher authorities. You will also be required to underwrite proposals in adherence to the defined policies and procedures to meet the agreed Service Level Agreements (SLAs) and effectively manage the business volumes in your assigned city or area. Conducting personal discussions with customers will be a crucial aspect of your role to evaluate their creditworthiness. This will involve ensuring the completion of credit and KYC documents, as well as conducting verification through telephonic conversations, field visits, and collateral inspections. Additionally, you will need to assess income to obligation ratios, possess a deep understanding of the rationale behind these calculations, and comprehend their impact on loan performance over the loan tenure. Maintaining various Management Information System (MIS) reports related to the portfolio, delinquency, and other operations of the cluster will be part of your regular responsibilities. You will be expected to build and leverage effective relationships with third parties to achieve the best outcomes for clients. Taking ownership of client queries, utilizing industry knowledge and experience to address challenges, and striving for continuous process improvement are essential aspects of this role. You will play a critical role in reviewing credit proposals thoroughly to identify industry, business, financial, management, and facility structure risks. Ensuring adequate collateral and other credit risk mitigation measures will be necessary to assist the approving authority in making informed decisions on credit proposals. Collaboration with the sales team to facilitate quick turnaround times for credit lending proposals and conducting ongoing reviews of credit exposures to maintain their bankability will be vital tasks. Facilitating the review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking necessary steps for risk mitigation will be part of your responsibilities. Managing the credit underwriting function of your branch, ensuring a quick turnaround of credit lending proposals through coordination with local credit analysts and the sales team, will be crucial for the efficient functioning of the branch. For this role, a Post Graduate or Graduate degree in any discipline is required.,

Manage credit processing for corporate lending/working capital/CC/OD/MSME terms loans/Corporate Business Loans Verify and validate customer KYC. Review and validate credit applications Financial Analysis Generate and manage MIS reports Required Candidate profile B.Com/M.Com/MBA Finance Minimum 0–3 years of experience in lending MBA-Finance fresher also welcome, who are having good knowledge of working capital.

Now Hiring: Underwriting & Mortgage Specialists Banking Domain Work Location: Manyata Tech Park, Bangalore Hiring Partner: Rivera Manpower Services Contact: Swathi 8884496983 swathi.rivera@gmail.com (WhatsApp your CV if the line is busy) Position: Mortgage & Underwriting Associate Domain: Banking & Financial Services Eligibility Criteria: Experience: Minimum 1 year in Mortgage and Underwriting (Mandatory) Education: Only Graduates (10 + 2 + 3) eligible Communication: Excellent written communication skills Salary & Benefits: CTC: Up to 6 LPA ( up to 30% hike on current CTC) Performance-Based Incentives 1-way cab facility (provided) Shift: Australian Shift (Early Morning Shift) Roles & Responsibilities: Perform underwriting and mortgage processing for banking clients Validate documents, assess credit risk, and ensure compliance with guidelines Collaborate with internal teams to process applications accurately and timely Deliver high-quality support while meeting SLAs and audit standards Interview Rounds: AMCAT Non-Voice (Minimum Score Required) Versant Non-Voice (Cut-off Score: 58) Operations Round Client Round APPLY NOW! If you have mortgage/underwriting experience and want to join a growing team in the banking domain , reach out to HR swathi 8884496983 or WhatsApp your CV if lines are busy.

Role & responsibilities Conduct loan utilization checks as per the schedule for all clients. Conducting house/on-site visits to the customer house/projects. Conducting check for high ticket size loans as per the instructions of the Regional Credit Team. Ensure publicity and awareness on products and processes to the branch staff. Imparting training to the branch staff on the products and processes. Build rapport and relationship with clients and branch staff. Reporting of daily events to Area Credit Manager. To maintain of all records & Books as per the requirement. Coordinating with the Regional Credit Team and branch branches for any queries. Preferred candidate profile MBA fresher (Full time only) - will be hired as Trainee Credit Executive and after 6 months of training based on performance will be elevated as Branch Credit Manager (BCM). Good Excel & Communication. Willingness to travel.

Roles and Responsibilities : Conduct loan utilization checks as per the schedule for all clients. Conducting house/on-site visits to the customer house/projects. Conducting check for high ticket size loans as per the instructions of the Regional Credit Team. Ensure publicity and awareness on products and processes to the branch staff. Imparting training to the branch staff on the products and processes. Build rapport and relationship with clients and branch staff. Reporting of daily events to Area Credit Manager. To maintain of all records & Books as per the requirement. Coordinating with the Regional Credit Team and branch branches for any queries. Preferred candidate profile : Graduation and Above. Min 2 years experience in Credit Underwriting on HL & LAP.

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch or location. Your core responsibilities will include reviewing and assessing a variety of complex loan applications within defined guidelines, making decisions or recommending them for approval to higher authorities. You will need to underwrite proposals according to the laid-down policies and procedures to meet agreed service level agreements and manage city/area business volumes effectively. Conducting personal discussions with customers to establish their creditworthiness, ensuring completion of credit/KYC documents, and conducting verifications through telephonic, field visits, and collateral inspections will be part of your role. You will also assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind these calculations and their impact on loan performance over long tenures. Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and providing regular reports will be essential. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients, taking ownership of client queries, and using industry knowledge and experience to overcome challenges are key aspects of your job. You will need to exceed service quality standards, strive for continuous process improvement, and undertake critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation to facilitate decision-making on credit proposals by the approving authority is crucial. Ensuring quick turnaround time for credit lending proposals for the mortgage business, including loan against property and home loan business, in collaboration with the sales team is a significant responsibility. Ongoing review of credit exposures to ensure bankability, critical review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when required are part of your duties. Managing the credit underwriting function of your branch, facilitating quick turnaround of credit lending proposals in close collaboration with local credit analysts and the sales team, as well as following up and ensuring recovery of quick mortality cases between 12-18 MOV are also key responsibilities. Qualifications required for this role include a Graduate or Masters/Post Graduate degree. Certifications like CA/MBA are preferable.,

Underwriting / Appraisal of credit proposals in line with the policy within the laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights

Analyze financial statements & credit data Prepare credit reports & recommend credit limits or loan approvals Collaborate with internal teams to evaluate credit exposure Stay updated on market trends & regulatory guidelines detailed credit reports Required Candidate profile experience in credit analysis, banking, or finance Proficient in Excel and financial modeling Good communication and report-writing skills Knowledge of credit financial ratios and regulatory norms