Experience
5 - 10 yrs
Job Location
Indore, India
Vacancy
1
Designation
Credit Underwriter
Job Type
ONSITE
Job Description
Underwriting / Appraisal of credit proposals in line with the policy within 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