OfBusiness - Credit Underwriter - Working Capital/Term Loans

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME.

Key Responsibilities

- Evaluate and underwrite loan applications post-credit processing.

- Conduct Quantitative & Qualitative Analysis, including Personal Discussions (PD) to assess creditworthiness.

- Perform Financial Analysis: assess balance sheets, profitability, and net worth.

- Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.

- Carry out Legal Checks: identify any existing complaints or legal red flags.

- Recommend loan decisions (Approve/Reject) as per credit policy.

- Collaborate with Sales and Operations Teams to support disbursements and business targets.

- Monitor portfolio performance and suggest policy updates based on risk insights