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