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.