1. Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs.
2. Analyzing the Financial statements, Cash flow / Bank statements and Ratio analysis for the
purpose of assessment of working capital/ Term Loan/ other funding requirements of the
mid corporate group.
Responsible for the Following:
1. Taking charge of cases when they move to underwriting after credit processing for decision
making.
2. Quantitative & Qualitative Analysis of the case and Conduct physical PD.
3. Quantitative Analysis includes:
Financial Analysis: Conduct financial due diligence to understand the credit worthiness of
the client, past trends, net worth etc.
Banking Analysis: Banking transactions conduct, Suppliers, and clients transactions
analysis, tracking EMI repayment etc.
Statutory Analysis: Timely returns have been filed for GST, TDS etc. and comply with the
applicable laws and regulations.
Qualitative Analysis: includes industry analysis and analyze the trends in the business.
Legal Analysis:
check if any complaints have been filed against the client and possible
consequences of the same.
Meeting customer personally to evaluate the business, internal / External reference check,
FCU / RCU check.
4. Underwriting the cases / Customer based on the laid-out policy. Recommending / decision
(Approve / Reject) the cases based on merit.
5. Including but not limited to work closely with sales team / Channel partners / cross-sell team to support them in a right manner which facilitates the growth of business and
achievements of co-goals and targets.
6. Working closing with and coordinating with operations team for the smooth disbursement of approved cases.
7. Portfolio analysis by mitigating the risk and then sanctioning the loan.
8. Suggesting/initiating policy changes bases on portfolio analysis.
What we look for:
1. Robust pedigree/academic background
2. Extremely self-driven & smart-working with the ability to lead teams.