Manager – Credit Underwriting (LAP/SME Loans)

Posted On: February 2022| Chennai
Chennai

Posted On: February 2022

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Job Purpose

  • He / She shall be responsible for Credit Underwriting of Secured Loans .

Qualifications

  • Any Graduate/CA/ICWA

Experience

  • 3 to 8 plus years of experience in the credit space with bank of repute / NBFCs

Functional Responsibilities

  • Detailed and objective assessment MSME Loan, Business Finance, Loan Against Property / Machinery and Onward Lending applications originating from across Tamil Nadu & PAN India
  • Preparing Credit Appraisal Note
  • Assess applicant profiles based on performance against predefined criteria, as well as an independent analysis on borrower’s credit profile
  • Credit appraisals of loan proposals with the help of financial analysis of the customers, information and data gathered in personal discussions, background reference checks, field investigation etc
  • Assessing credit worthiness of applicant by use of performance history and future forecasts along with liquidity, debt/asset management and profitability ratios
  • Assessing needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects

Functional Competencies

  • Ability to coordinate with internal and external stakeholders / Regulators to ensure 100% compliance
  • Good written and verbal communication skills
  • Good networking skills and ability to establish, nurture and leverage relationships
  • Ability to handle multiple tasks successfully and simultaneously
  • Ability to work under tight deadlines and prioritize work as required from time to time

Location

  • Chennai
  • Ability to coordinate with internal and external stakeholders / Regulators to ensure 100% compliance
  • Good written and verbal communication skills
  • Good networking skills and ability to establish, nurture and leverage relationships
  • Ability to handle multiple tasks successfully and simultaneously
  • Ability to work under tight deadlines and prioritize work as required from time to time

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