Salary ₹8,00,000 - ₹10,00,000 a year job type full-time regular / permanent
Benefits pulled from the full job description
Cell phone reimbursement food allowance health insurance leave encashment life insurance provident fund
Full job 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.
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 employerThey 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 / permanent
Pay: ₹800,000.00 - ₹1,000,000.00 per year
Cell phone reimbursement
Total work: 1 year (preferred)
Speak with the employer
Application response rate: 77%
Hiring 1 candidate for this role
Employer reviewed job 16 days ago
Posted 18 days ago