01Responsibilities
Evaluation of Proposals put up for recommendation / approval as per credit policy. Customer visit and discussions to assess the loan requirement. Customer business and income assessment. Understanding the business thoroughly for self-employed non-professional profiles. Ascertaining and Validating the revenue streams and expenditure of the business. Should be able to see through the potential risks of the proposal. Should have ability to do due diligence without sufficient and formal documents / data. Files Checking as per Credit Policy. Risk Analysis related to case & Client. Maintaining quality of credit information, underwriting standards and presentation. PDD and Portfolio Management. Facilitate the development of clearly defined and updated policies & procedures for all credit risk management. Handling Disbursement officers for process. Accuracy of work and timeline adherence. Qualifications:
Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, LAP/SME/Mortgages) Candidate must have sound exposure of higher ticket size MSME loans. Understanding of local business and micro economy Keen understanding and focus on risk, controls, compliance and regulatory framework Strong analytical & communication skills (written & verbal) Preferably CA/ ICWA/ MBA Finance / PG - Commerce) Ability to build, coach and mentor high performance oriented teams Candidate who can join immediately or on short notice will be highly preferred. Candidates with relevant experience will be entertained only.
