About the role
Credit Appraisal & Underwriting Evaluate loan applications and assess borrower creditworthiness. Analyze financial statements, income documents, bank statements, and credit reports. Conduct detailed risk assessments and verify customer repayment capacity. Recommend approval, modification, or rejection of credit proposals as per delegation authority. Credit Risk Management Identify and mitigate credit and operational risks. Ensure adherence to credit policies, underwriting standards, and regulatory guidelines. Monitor portfolio performance and recommend corrective actions for high-risk accounts. Maintain healthy portfolio quality and minimize delinquency levels. Field Investigation & Verification Conduct customer discussions and field visits where required. Verify customer profile, business stability, residence, employment, and repayment capacity. Coordinate with verification agencies and valuation vendors. Documentation & Compliance Ensure completeness and accuracy of loan documentation. Verify legal, technical, financial, and KYC documents before approval. Maintain compliance with RBI, company policies, and audit requirements. Support internal and external audits. Portfolio Monitoring Monitor sanctioned accounts and post-disbursement performance. Track early warning signals and overdue accounts. Coordinate with collections and operations teams for portfolio management. Stakeholder Coordination Collaborate with Sales, Operations, Legal, Technical, and Collection teams for seamless loan processing. Provide credit guidance and training to branch staff. Resolve credit-related queries and escalations. MIS & Reporting Prepare daily, weekly, and monthly credit MIS reports. Track approval ratios, turnaround times, and portfolio quality metrics. Present credit recommendations and portfolio analysis to management. Required Qualifications Graduate in Commerce, Finance, Economics, or related field. MBA (Finance) / CA Inter preferred. 3–8 years of experience in credit appraisal, underwriting, or risk management within Banking, NBFC, HFC, or Financial Services. Key Skills Credit Assessment & Underwriting Financial Statement Analysis Risk Assessment & Mitigation Loan Documentation Review Credit Policy Compliance Portfolio Monitoring Analytical & Decision-Making Skills Communication & Stakeholder Management MS Excel & MIS Reporting