66 Pre Underwriting Jobs

Warm Greetings from Rivera Manpower Services Hiring Mortgage Underwriter (US/Australian Market) Location: Bangalore Shift: Australian Shift CTC: Based on experience Call & Book Your Interview Slot: 7829336034 / 7829336202 /8884777961 /9380300644 Eligibility Criteria: Minimum 1 year of experience in mortgage underwriting Experience with US or Australian mortgage market is mandatory Graduates or Postgraduates can apply Excellent analytical and communication skills Immediate joiners only Roles & Responsibilities: Perform underwriting decisions based on income (W2 wage earner, self-employed), assets, credit, collateral, title, and risk Review and verify borrower loan applications 1003, 1008, AUS findings, and appraisal reports Calculate LTC/CLTV and HTI/DTI to ensure compliance with FNMA, FHLMC and other regulatory agencies Conduct thorough 4Cs analysis Credit, Capacity, Capital, and Collateral Perform due diligence and auditing of residential mortgage files in the primary market Verify and audit mortgage insurance, homeowners insurance, flood certificates/insurance , and other supporting documents Review credit reports to assess borrower liabilities Join a dynamic team and enhance your mortgage underwriting career with global exposure. Call now to apply! 7829336034 / 7829336202 / 9986267393

Job Roles and Responsibilities: Review and analyse the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company. Knowledge of Lending & Underwriting Guidelines | Credit & Income Analysis | Cash Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios Review Initial application - Verify loan, property, borrowers information with other available documents - Verify borrower's monthly income and expenses - Verify other relevant sections. Review all the documents related to borrower’s Credit, Capacity, Collateral and Capital. Calculate asset required for closing and reserve purpose for the transaction (as per guideline) Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. Sign off conditions in a timely manner set by management. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit’s policies and practices. Manage loans by using all functions of Encompass. Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments. Other duties as assigned. Qualification & Experience Degree or Equivalent Minimum 3 years of experience in conventional/govt end to end underwriting. Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)

Mphasis Walk-in Drive US Mortgage Underwriter Location: EON Kharadi Infrastructure Pvt Ltd, Cluster C, Wing 3, Ground Floor, Pune - 411014. Date: Recently (17th July 2025 - 18th July 2025) Employment Type: Full-Time About the Role: We are seeking a detail-oriented and experienced US Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for the end-to-end underwriting process of residential mortgage loans, ensuring compliance with investor guidelines, company policies, and regulatory requirements. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals. Perform risk assessments and make sound underwriting decisions on conventional, FHA, VA, and USDA loans. Ensure loans meet all investor and regulatory guidelines (Fannie Mae, Freddie Mac, etc.). Communicate underwriting decisions and conditions clearly to processors and loan officers. Maintain high levels of accuracy and productivity while meeting service level agreements (SLAs). Stay updated on industry trends, underwriting guidelines, and compliance regulations. Qualifications: 3+ years of experience in US mortgage underwriting (end-to-end). DE/SAR/LAPP certification preferred. Strong knowledge of AUS systems (DU, LP). Familiarity with Encompass or similar LOS platforms. Excellent analytical, communication, and decision-making skills. Ability to work independently in a fast-paced, deadline-driven environment. Walk-in Instructions: Bring a hard copy of your resume Mention HR Janavi Gollapallis name on the resume

Hiring for Loan origination (US mortgage) Work from Home Qualification: Graduation (Mandatory) Experience: Min 1 year exp into origination Salary : Max 4.5LPA Loaction : Bangalore Shifts : Night shifts Looking for immediate joiners. For more details Contact HR Supriya 9398648405 supriyapss@firstsource.com Disclaimer: Firstsource allows a fair, transparent, and merit-based hiring process. we never ask for money at any stage. Beware of fraudulent offers and always verify through our official channels or @ firstsource.com email addresses

Hiring for Loan Origination (US Mortgage) Qualification : Graduation (Mandatory) Freshers - 2.7LPA Exp up to 4 LPA (Based on exp) Need relevant exp into origination . Shifts: Night Shifts Location : Hyderabad Looking for immediate joiners. For more details Contact HR Supriya supriyapss@firstsource.com(share your resume here) 9398648405(send resume on whatsapp we will review and call) Disclaimer: Firstsource allows a fair, transparent, and merit-based hiring process. we never ask for money at any stage. Beware of fraudulent offers and always verify through our official channels or @ firstsource.com email addresses

Role & responsibilities : Risk Assessment: Mortgage underwriters analyze a borrower's credit history, income, assets, and debts to assess their ability to repay the loan. Loan Eligibility: They determine if the borrower meets the lender's criteria for loan approval, considering factors like loan-to-value ratios, debt-to-income ratios, and other financial metrics. Document Verification: Underwriters meticulously review loan applications and supporting documentation to ensure accuracy and compliance with lending guidelines and regulations. Decision Making: Based on their analysis, underwriters make informed decisions on whether to approve, deny, or request further information on a loan application. Compliance: They ensure all loan applications adhere to relevant lending laws and regulations. Communication: Underwriters communicate with loan officers, brokers, and other relevant parties regarding the status of loan applications and any required documentation. Risk Mitigation: They play a key role in minimizing the lender's financial risk by thoroughly evaluating each loan application. Preferred candidate profile : Degree in business, banking, finance, or a related field. Experience in loan underwriting. Highly organized and able to prioritize. Good communication skills, both verbal and written. Detail-oriented with strong data analysis skills. High mathematical aptitude. Good working knowledge of mortgage loan processing and relevant legal regulations. Proficiency in Microsoft Office and automated underwriting systems.

JOB TITLE: Due Diligence Underwriter SHIFT TIMING: Must be open for Rotational shift and week off POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 1 - 6 years Immediate Joiners Only Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities : Loan Application Review: Analyse and verify loan applications, ensuring all required documents are complete and accurate. Assess the borrower's credit history, employment, income, and debt levels. Confirm the property's value through appraisal reports. Credit and Financial Analysis: Evaluate credit reports to determine the borrower's creditworthiness. Analyse financial statements, tax returns, pay stubs, and other income documentation. Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: Ensure loans comply with all federal, state, and local regulations. Adhere to company policies and guidelines. Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: Any bachelors degree. Proven experience in mortgage processing or underwriting. Strong knowledge of mortgage industry regulations and procedures. Excellent analytical and problem-solving skills. Detail-oriented with exceptional organizational abilities. Proficiency in using mortgage processing software and financial tools. Effective communication and interpersonal skills. Ability to work efficiently under pressure and meet tight deadlines. Solid understanding of financial statements and credit reports. Certification in mortgage underwriting or related fields is a plus. Kindly share your resume to sgrace@ca-usa.com

Role & responsibilities Review and provide Quality Control feedback on mortgage loans completed by internal staff Follow quality control policies and procedures to ensure compliance with scopes of work Must be able to fulfill the role of subject matter expert for the team and scope assigned Assist with required and/or identified training needs as it relates to quality control Analyze individual loan files and work completed by associates based on approved QC checklists Identify all red flags as defined in a mortgage file and report to leadership Analyze and publish error trend analysis, and devise and implement action plans to improve QC scores Share feedback and coach team members basis errors identified and proactively share errors trends and risk based on changes to policies and procedures Perform additional duties as requested Preferred candidate profile Graduate preferably in commerce Strong PC, typing and technical skills required Strong work ethic and flexibility in a fast paced environment Minimum 3-4 years of current mortgage origination experience with emphasis in loan processing under U.S. secondary marketing and regulatory guidelines, with coaching/training responsibilities over a residential production team within the past year Current working knowledge of FNMA/FHLMC guidelines and all processing functions, expertise in HOI, Title and Purchase agreements preferred Strong command of the English language, along with analytic, interpersonal, and verbal and strong written communication skills. Must have experience in the specific scope of work position being filled, demonstrating current acceptable production and quality rating metrics Candidates must pass background checks Candidates must be okay to work rotational and US night shifts.(24/7) and work over weekends when required

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

Role: Team leader exp: 6 + yrs US Mortgage Underwriting salary: Upto 10 LPA Location: Pune and Jaipur Immediate joiner proper documents for team leader Regards, 7826055629

Job Title: US Mortgage Underwriter Location: [Pune / Chennai] Employment Type: Full-Time About the Role: We are seeking a detail-oriented and experienced US Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for the end-to-end underwriting process of residential mortgage loans, ensuring compliance with investor guidelines, company policies, and regulatory requirements. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals. Perform risk assessments and make sound underwriting decisions on conventional, FHA, VA, and USDA loans. Ensure loans meet all investor and regulatory guidelines (Fannie Mae, Freddie Mac, etc.). Communicate underwriting decisions and conditions clearly to processors and loan officers. Maintain high levels of accuracy and productivity while meeting service level agreements (SLAs). Stay updated on industry trends, underwriting guidelines, and compliance regulations. Qualifications: 3+ years of experience in US mortgage underwriting (end-to-end). DE/SAR/LAPP certification preferred. Strong knowledge of AUS systems (DU, LP). Familiarity with Encompass or similar LOS platforms. Excellent analytical, communication, and decision-making skills. Ability to work independently in a fast-paced, deadline-driven environment. Why Join Us? Competitive salary and performance-based incentives Flexible work environment (remote/hybrid options) Health, dental, and vision insurance Opportunities for growth and professional development Supportive and collaborative team culture Apply Now If you're passionate about mortgage underwriting and want to be part of a growing, innovative team, wed love to hear from you! HR Janavi Gollapalli Email Id: Janavi.gollapalli@mphasis.com

Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. Review all required loan data, reports, and inspections. Required Candidate profile • Degree or Equivalent • Minimum 2 years of experience in US Mortgage Residential Live Underwriting • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral min into.

*02 Year of exp. in US Residential Mortgage preferably in Pre UW/ File Set up with sound knowledge of Income & Asset Guidelines *Verify loan quality & set up the loan for UW *Review & analyze necessary documents *Credit underwriting guidelines Required Candidate profile •Excellent customer service, written & verbal communication skills •Adaptability in fast paced US mortgage industry •Computer proficiency •Flexible to work in 24/7 process For Future :9500996913

*01 Year of exp. in US Residential Mortgage preferably in Pre UW/ File Set up with sound knowledge of Income & Asset Guidelines *Verify loan quality & set up the loan for UW *Review & analyze necessary documents *Credit underwriting guidelines Required Candidate profile •Excellent customer service, written & verbal communication skills •Adaptability in fast paced US mortgage industry •Computer proficiency •Flexible to work in 24/7 process

Roles and Responsibilities Conduct credit analysis, appraisal, and assessment of loan applications within TAT. Perform pre-underwriting activities such as data verification, KYC checks, and collateral evaluation. Ensure compliance with regulatory requirements and internal policies during the entire loan processing cycle. Collaborate with sales teams to provide timely approvals and disbursements for customers' financial needs. Identify potential risks and escalate them to senior management for further review.

Having the ability to review and asses key documents and mortgage information, such as: Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc Credit reference reports, EPC reports, Companies House searches

Job Title: Process Trainer Reports To (Title): Training Lead Job Location: Bangalore Job Summary: We are seeking an experienced Mortgage trainer, manage multiple training requirements and its implementation and measure its impact. A successful candidate will be passionate about learning and excited about the prospect of leading by example. Job Responsibilities: Requirements : • Past Mortgage Originations experience to design, develop and deliver training with two or more years of experience • Must have excellent presentation skills • Evaluating individual and organizational performance to ensure training is meeting business needs and improving performance • Identifying training needs by consulting with business stakeholders and using needs assessments • Developing and delivering training solutions that meet business needs • Optimizing training processes for efficiency • Manage supply chain in terms of planning, organizing, ensuring high conversion and retention from onboarding new hires till handover to business • Exhibit agility in both method and approach to accommodate planned and ad hoc requirements of the business Competency Requirement (with desired proficiency level): • Communication Skills (Oral and Written) Advanced • Mortgage Domain – Expert • Evaluating others – Advanced • Facilitation Skills – Advanced • Instructional Design – Intermediate • People Management – Advanced • Employee Engagement – Advanced • Stakeholder Management - Advanced • Excel Skills – Intermediate • Flexibility, Integrity and Accountability - Expert Additional Requirement: Graduate in any field Experience/certification in Mortgage industry with expertise to loan processing & Initial Underwriting in US Residential Mortgage. IF INTERESTED DO SHARE YOUR RESUMES TO ta129@matrixhrservices.com or 9019930479

Title: US Mortgage preOps Location: Pune Experience: 1-6 yrs NP-Immediate joiners Job Summary The Mortgage Loan Processor will be responsible for performing a variety of loan documentation duties on complex loan packages and ensure compliance with policies and procedures for loan products. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: Verify loan quality as per US requirements and lender guidelines and set up the loan for UW Provide excellent customer service to internal and external clients by demonstrating expertise, thoroughness, thoughtfulness, politeness and enthusiasm Review and analyze all necessary documentation, including borrower docs and third-party docs Interpret policies while analyzing applicant information, property and documentation Comprehensive understanding of credit underwriting guidelines Requirements: This role requires a wide variety of strengths and capabilities, including: Minimum 1 year experience in US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Excellent customer service and written and verbal communication skills Detail oriented and excellent organizational skills Quick learner to keep up with the fast-paced mortgage industry Able to prioritize multiple tasks and manage time Problem-solver with strong analytical skills Adheres to directives, procedures, and standards Ability to work in a paperless environment Computer proficiency including Microsoft Office Product Suite Candidates must be available to work outside of normal business hours when necessary Flexible to work in 24/7 process including night shifts and weekends Years of experience needed Minimum 1 Year of experience US Residential Mortgage preferably in Pre UW/ File Set up with excellent knowledge of Income and Asset Guidelines Interested candidates please reach out at soundharya@lussotech.com, or call us at 8712034160

Dear Candidate, We are hiring for US Mortgage Underwriting Work From Home Location. Any graduate can apply (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Perform & manage quality control reviews of residential loan files in accordance with customer quality control policies and procedures and accepted quality control standards. Will be also responsible for managing the daily operations along with client handling who should be well versed and certified underwriter in the Mortgage domain In depth knowledge of GSE, Fannie mae, Freddie Mac guidelines and requirements Expert in Mortgage lender's policies, guidelines and procedures (loan to value, debt to income, collateral review, compliance review) Should have experience in Analyze Income & employment, credit strength, property appraisal, check over debt to Income (DTI) and Loan to value (LTV)and all other information pertinent to the credit decision process on each mortgage application, as presented by the applicant Knowledge to validate that a prospective mortgagors loan application adheres to the Investors, Secondary Investors (Fannie & Freddie) and guidelines of applicable government agencies to approve the loan Review loan files for completeness and accuracy Confirm application information against all documents within the file Analyze all credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Should have experience in Income Calculations Review the eligibility of Property, Borrowers Evaluate debt ratio, loan-to-value ratios, credit score, property valuation Identify risk factors, including fraud red flags to determine or verify misrepresentation Condition files for missing/ supporting documentation as needed Complete required trainings and assessments Knowledge in Commercial Real Estate will be an added advantage High level understanding of US Real Estate, Mortgage, Commercial Mortgage Servicing, loan agreements and documentation Ability to build & motivate teams Ability to manage Client escalations and Client relationships Team mentoring & coaching individual associates who may fall below desired performance Continuously contribute towards process improvement Hold relevant experience (To Confirm Please Drop a Whatsapp or call on 9205053694 Meenakshi ) ( In case The Number Is Busy, Please Drop A Whatsapp @ 9205053694 Meenakshi ) Regards SPARK CONSULTANCY

Walk-in Drive in Firstsource for US Mortgage Underwriters -Mumbai location Walk-in Time 11.00 AM to 4.00 PM Walk-in Date - 21st & 22nd June Walk-in address - Firstsource Paradigm, 2nd Floor, New Link Malad, Rajan Pada, Mindspace, Malad West, Mumbai, Maharashtra 400064 Contact Person Supriya PS Job Description Graduates & above Minimum 2 year of experience into Live Underwriting. Should have worked in all the 4 c's Sound knowledge of US Residential mortgage. Exposure of Underwriting processes & guidelines. Excellent critical thinking, problem solving and sound judgment. Analysis and Calculation of qualifying income from Salaried various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc Join our team if you're passionate about the industry and possess the skills listed below. Requirements: Minimum 3 years of experience in US mortgage- live Underwriting. Strong understanding of underwriting processes, mortgage products, and federal regulations Excellent analytical, communication, and customer service skills. Ability to thrive in a team-oriented environment. Proficiency in relevant computer applications and software Interview rounds HR, Assessment, Ops and client round. Interested candidates can drop in to the office with your resume and govt ID proof. Disclaimer: Firstsource allows a fair, transparent, and merit-based hiring process. we never ask for money at any stage. Beware of fraudulent offers and always verify through our official channels or @ firstsource.com email addresses

•Ensure the SLA's & KPI Targets •Review client escalations, Team Queries, and support team as Subject Matter Exp. •Deliver on CSAT targets External/ Internal •Comply all ISO & ISMS protocols •Monitoring results & KPI data •Identify portfolio risks Required Candidate profile •Graduate •As TL 02 years exp. on Paper-US Mortgage Origination, Pre Underwriting, Conditions review •Excellent Communication, analytic & interpersonal skills •Core Statistics, Trend & Ratio Analysis.

Provides final approval Underwriting of mortgage loans. Manage loans using all Encompass functions. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.4C’s of Underwriting Required Candidate profile 2-6 yrs exp. in US Mortgage Loan Processing • Minimum 2 years of experience in conventional/govt end-to-end underwriting • Well-versed with all 4C’s of Underwriting (Asset, Income, Credit & Collateral

Ensure the SLA and KPI Targets as specified by the client are met consistently Demonstrate strong process knowledge and lead process changes/improvement with an end-to-end understanding of the Product Conduct huddles/training for process areas Required Candidate profile 04 - 06 Yrs leadership exp. US Mortgage Income Calculations; Pre Purchase Review; Credit Report Span control would range from 80 to 200 employees including SMEs, QAs, Team Leads and AM

Role & responsibilities This role requires a wide variety of strengths and capabilities, including: Should be graduate from recognized university Mandatory 2 years of US Mortgage experience in Origination specifically Pre Underwriting / Conditions review Prior team handling experience is a must Strong command of the English language, along with analytic, interpersonal, and verbal and strong written communication skills Ability to work in a flexible and production-oriented environment Good interpersonal skills Good understanding of key back-office operations metrics Good analytical skill Good knowledge of Excel (Core Statistics, Trend Analysis, Trending, Ratio Analysis, Formulas etc.) Good planning skills Good balance between people, process & clients Good client management & relationship building skills Ability to work in 24/7 process and mostly in US based shift pattern Open to Work from Office Team lead experience is must. For more details please reach out Menaga-9019730400

We are currently hiring for Credit Specialist (International Voice Process) for a global Bank India, Location Hyderabad. Experience: Underwriting, Pre-underwriting, Post Closing, Customer Service, Voice process, Calling, International Voice process. Role: Credit Specialist (International Voice Process) Job type: Permanent Role Context The role is to foster and encourage a sound common underwriting culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to. In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels. In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the marketplace. ontext The role is to foster and encourage a sound common underwriting culture and to avoid undue risk concentrations, with the aim of ensuring a sustainable high quality lending portfolio. In carrying out these duties, the jobholder must be fully aware of the need to meet customer requirements and the overall effect of the marketplace on the credit process. At all times, credit standards as issued by Credit & Risk must be adhered to. In fulfilling these objectives, there is a need to provide direction and guidance to the branch network/direct sales channels. In summary, the prime objective is to ensure that an appropriate balance is achieved between maximizing income, maintaining a well-balanced book as to risk, ensuring credit standards are observed and at the same time being fully responsive to the needs of the customers and the marketplace.