Job Description

Description:

• Researching and evaluating client credit worthiness.
• Creating credit scoring models to predict risks.
• Approving or rejecting loan requests, based on credibility and potential revenues and loss.
• Develop, review and update company's credit policies.
• Ensure all lending procedures comply with regulations.
• Calculating and setting loan interests rates.
• Monitoring loan payments and bad debts.
• Analysis on customer satisfaction.
• Factors influence the satisfaction.
• Provides support for business developers on new customers

• Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects

• Assesses credit opportunities; identifies key risks, and structures alternatives working with relationship managers and credit officers

• Provides support to account officers on customer calls as needed

• Responsible for measuring covenants put in place within loan agreements, with a clear understanding of the effect and purpose of those loan covenants, and communicates the compliance of the borrowers to the relationship manager and chief credit officer as needed

• Applies experience with comparable credits to recommend appropriate covenants, terms, and conditions, and structure for a credit request

• Identifies policy exceptions within a credit request

• Discusses risk ratings and the rationale for the determination of acceptable credits with the relationship managers (RM) and credit approves.

Skills:

• Education: Credit underwriters require a minimum of Bachelor's degree in Business, Finance, or Accounting
• Knowledge: They may require a minimum of 3 to 6 years of underwriting and analysis experience depending on the needs of the employer. They may also be required to have completed a formal credit training program.
• Communications skills: They require both oral and written communication skills to work with the lending and credit teams, relationship managers, credit approves, etc.
• Interpersonal skills: They require the ability to develop and maintain internal and external relationships within their portfolio
• Research skills: They require the ability to conduct research into borrowers and industries to be abreast with factors that may affect profitability and the borrower's ability to repay loans.

Job Types: Full-time, Regular / PermanentPay: ?800,000.00 - ?1,000,000.00 per yearBenefits:

• Cell phone reimbursement
• Food provided
• Health insurance
• Leave encashment
• Life insurance
• Provident Fund

Schedule:

• Day shift

Education:

• Bachelor's (Preferred)

Experience:

• total work: 1 year (Preferred)

Speak with the employer
+91 8106167387