- As a Credit Analyst specializing in MSE/MSME lending, your role will involve evaluating the creditworthiness of Micro and Small Enterprises/Micro, Small, and Medium Enterprises loan applicants. You will analyze financial data, assess risk, and make informed credit decisions. Your responsibilities will include : - Credit Evaluation: Review loan applications from MSE/MSME borrowers and analyze their financial statements, credit history, and other relevant information to assess their creditworthiness. - Risk Assessment: Evaluate the potential risks associated with each loan application by conducting risk analysis, including assessing repayment capacity, industry-specific risks, and collateral valuation. - Financial Analysis: Analyze financial statements, such as income statements, balance sheets, cash flow statements, and other financial documents, to evaluate the financial health and performance of MSE/MSME borrowers. - Credit Scoring: Utilize credit scoring models and tools to assess credit risk and determine appropriate credit limits, interest rates, and terms for approved loan applications. - Collateral Evaluation: Assess the value and quality of collateral provided by borrowers, such as property, equipment, or inventory, to determine its suitability for securing the loan. - Compliance and Due Diligence: Ensure compliance with regulatory requirements, internal policies, and lending guidelines throughout the credit evaluation process. Conduct thorough due diligence on borrowers to mitigate risk. - Documentation and Reporting: Prepare accurate and complete credit analysis reports, loan proposals, and other necessary documentation. Maintain proper records and documentation for audit purposes. - Communication: Effectively communicate credit decisions, recommendations, and risk assessments to management, colleagues, and other stakeholders. Liaise with borrowers to gather additional information as needed. - Monitoring and Portfolio Management: Monitor the performance of the MSE/MSME loan portfolio, track repayment status, and identify potential credit issues or early warning signals. Conduct periodic reviews to assess ongoing creditworthiness. - Collaboration: Collaborate with other teams, such as credit underwriting, sales, legal, and risk management, to ensure effective coordination, exchange of information, and efficient loan processing

Mumbai

Credit Underwriting Role - BFSI 

Job Description for Credit Underwriting Role - BFSI  in ASATKALPA PRIVATE LIMITED in  Mumbai for (2-10) years of experience. Apply Now!