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

Role: Credit Analyst, Industry Type: NBFC, Department: BFSI, Investments & Trading, Employment Type: Full Time, Permanent Role Category: Lending Education PG: ICWA (CMA) in Any Specialization, CA in Any Specialization Key Skills Skills highlighted with ‘‘ are preferred keyskills Working Capital SME LoanCredit UnderwritingUnderwritingUnsecured LoansCredit AnalysisSupply Chain FinanceCredit AppraisalBusiness LoanMsme LoanSME LendingCredit AssessmentTerm Loan

📌 Credit Underwriter: Working Capital/ Term Loan - CA/CMA (Bengaluru)
🏢 OFB Tech
📍 Bengaluru