Roles and Responsibilities;-

• Assessment of borrowers profiles , repayment capacity and income stability Effectively manage & up skill the credit teams along with allocation of workload
• Understand and interpret results of financial analysis, banking analysis and bureau reports
• Analysis of all customer related information in line with credit & risk policy to check eligibility
• Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement
• Visiting business premise, property and residence of customer at the time of PD
• Understanding of actual business income & expenses (other than reported income) of customer
• Ability to understand customer business and requirement from their perspective
• Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD
• Study, analysis and interpretation of legal & technical reports of property
• Study, analysis and interpretation of other internal check reports
• Underwriting and sanction of Home loan/loan against property files sourced by sales team
• Revert on post sanction conditions prior to disbursement based on queries raised by the team
• Recommendation of case to supervisors for seeking necessary *decision based on deviation/ approval matrix
• Co-ordinate and communicate with different departments
• Maintaining TAT as per guidelines and taking case to decision point
• Minimal rework/errors as part of underwriting quality
• Adherence to the policy/ process laid out by the Central team on all loan applications being processed
• Close monitoring on non-starters/first EMI bounce trends
• Audit compliance on all aspects stipulated by Head Office and regulatory compliance
• Maintaining and reporting of various MIS to monitor portfolio performance and risk
• Continuously improvise underwriting capability based on portfolio performance

Desired Candidate Profile:

• Proven work experience in Credit underwriting of Retail Asset Banking and NBFC products, services and operations (preferably in private sector,  & LAP/ Business Loan / secured / Unsecured)
• Understanding of local business and micro economy
• Keen understanding and focus on risk, controls, compliance and regulatory framework
• Strong analytical & communication skills (written & verbal)
• Ability to build, coach and mentor high performance oriented teams
• Should have good knowledge of Risk Related to Business.
• Good client servicing skills.
• Good financial analytical skills, communication skills.

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