01 Oct
|
Aye Finance
|
Bemetara
01 Oct
Aye Finance
Bemetara
Role & responsibilities
Core Credit Appraisal & Underwriting
- Financial Scrutiny: Analyze applicant bank statements, ITRs, and GST filings.
- Credit Bureau Checks: Evaluate CIBIL and other bureau scores for past defaults or high leverage.
- Personal Discussions: Conduct field visits and PDs (Personal Discussions) to verify business models.
- Income Estimation: Reconstruct true cash flows for informal or unorganized-sector borrowers.
- Loan Structuring: Fix loan amounts, pricing, tenures, and repayment frequencies.
Risk Mitigation & Compliance
- Policy Adherence: Ensure every file complies with internal NBFC credit policies and RBI guidelines.
- Approval Memos: Draft detailed Credit Notes (C-Notes) summarizing risk pros and cons for sanction committees.
- Delegated Authority: Approve or reject files within a pre-assigned financial sanction limit.
📌 Branch Credit Officer - Bemetara
🏢 Aye Finance
📍 Bemetara