Cent Bank Home Finance Ltd. invites applications from qualified Chartered Accountants for the position of Manager Credit Underwriting at its Corporate Office in Mumbai. The candidate will be responsible for evaluating credit proposals, assessing borrower repayment capacity, managing credit risks, and ensuring compliance with the company's credit policies and applicable regulatory guidelines.

Key Responsibilities

- Conduct credit appraisal and underwriting of housing loans, Loan Against Property (LAP), and retail lending products.

- Assess borrower profiles, income, financial statements, banking transactions, and repayment capacity.

- Evaluate creditworthiness and identify potential credit risks before approving or recommending loan proposals.

- Review property valuation reports, legal reports, and technical reports as part of the credit assessment process.

- Ensure compliance with internal credit policies, underwriting standards, and applicable regulatory guidelines.

- Analyse financial documents and banking records to assess the borrower's financial stability and repayment ability.

- Identify risk factors and recommend appropriate measures to mitigate credit risks.

- Maintain accurate credit assessment records and ensure proper documentation of loan proposals.





- Support sound credit decision-making while maintaining the quality of the loan portfolio.

Required Skills

- Credit Appraisal and Credit Underwriting

- Housing Loan Assessment

- Loan Against Property (LAP)

- Retail Lending

- Financial Statement Analysis

- Borrower Risk Assessment

- Banking Transaction Analysis

- Repayment Capacity Assessment

- Property Valuation and Legal/Technical Report Evaluation

- Credit Risk Management

- Regulatory Compliance

- Advanced Excel and Computer Applications

Eligibility Criteria

- Must be a Chartered Accountant (CA) from a recognised institution.

- Minimum 7 years of overall qualified experience.

- Minimum 3 years of experience in HFCs, NBFCs, banks, financial institutions, or related organisations.

- Relevant experience in credit appraisal and underwriting of housing loans, LAP, and retail lending is required.

- Experience in the NBFC, HFC, banking, or financial services sector will be preferred.

- Knowledge of computer applications, including Advanced Excel, is essential.

Age Criteria

- General Category: Maximum 40 years

- OBC Category: Maximum 43 years

- SC/ST Category: Maximum 45 years

📌 Credit Underwriting (Mumbai)
🏢 Cent Bank Home Finance
📍 Mumbai