Health insurance

Job/Soft skill training

Cafeteria

Office cab/shuttle

Annual health checkup

Free meal

International/On-site exposure

Professional degree assistance

Mental health wellbeing

Life insurance

Maternity leaves

Ofbusiness Reviews by Employees

Assistant Manager

Senior Executive

Deputy Manager

Manager

Senior Manager

Customer Relationship Manager

Business Development Manager

Management Trainee

Chief Manager

Sales Manager

Software Engineer

Team Manager

Executive

Senior Executive Operations

Relationship Manager

Regional Manager

Analyst

Senior Business Development Manager

Assistant Manager Operations

Operations Manager

Finance Executive

Profile: - Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. - Analysing the Financial statements, Cash flow / Bank statements and Ratio analysis for the purpose of assessment of working capital/ Term Loan/ other funding requirements of the SME. Responsible for the Following: - Taking care of cases when they move to underwriting after credit processing. - Quantitative & Qualitative Analysis of the case and Conduct PD. - Quantitative Analysis includes: i) Financial Analysis: credit worthiness of the client, past trends, net worth, etc. ii) Banking Analysis: who all are the anchors, who are the suppliers, tracking EMI repayment. iii) Statutory Analysis: check if the returns have been filed, GST has been filed, if any tax payable is there, check liquidity crunch, etc. - Qualitative Analysis: Discuss the issues which cropped up during the Quantitative Analysis and come to know the bigger picture. - Legal Analysis: check if any complaints have been filed against the client, etc. - Also, the checks are not limited to only this. He/she will do everything to find out if it is safe to give money as an unsecured loan to the client. For eg, standing infront of the shop to check if he's actually getting the amount of customers he claims he gets, etc. - Meeting customer personally to evaluate the business, internal / External reference check, FCU / RCU check - Underwriting the cases / Customer based on the laid-out policy. Recommending / decision (Approve / Reject) the cases based on merit. - Including but not limited to work closely with sales team / Channel partners / cross-sell team to support them in a right manner which facilitates the growth of business and achievements of co-goals and targets - Working closing with and coordinating with operations team for the smooth disbursement of approved cases. - Portfolio analysis by mitigating the risk and then sanctioning the loan. - Suggesting/initiating policy changes bases on portfolio analysis. What we look for: - CA/CMA/MBA - 1 to 6 years experience - Extremely self driven & smart-working with the ability to lead teams. - Excellent communication skills and man-to-man sales skills - Hunger to grow in the company and add value to the SMEs across the country - Can work in high pressure situations and completely hands-on; the knack to hustle and get the job done - Flexible to travel around and fluent in Hindi & English

Bangalore

Chennai

Coimbatore

OFB Tech - Credit Underwriter - Oxyzo 

Job Description for OFB Tech - Credit Underwriter - Oxyzo  in OfBusiness in  Bangalore Chennai Coimbatore for (1-6) years of experience. Apply Now!

OFB Tech - Credit Underwriter - Oxyzo  | iimjobs.com