OFB Tech
2 weeks ago
Profile Brief :
- 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 the purpose of assessment of working capital/Term Loan/other funding requirements of the mid corporate Taking charge of cases when they move to underwriting after credit processing for decision making.
- Quantitative & Qualitative Analysis of the case and Conduct physical PD.
Quantitative Analysis includes:
i) Financial Analysis: Conduct financial due diligence to understand the credit worthiness of the client, past trends, net worth etc.
ii) Banking Analysis: Banking transactions conduct, Supplier's, and client's transactions analysis, tracking EMI repayment etc.
iii) Statutory Analysis: Timely returns have been filed for GST, TDS etc. and comply with the applicable laws and regulations.
iv) Qualitative Analysis: includes industry analysis and analyze the trends in the business.
v) Legal Analysis: check if any complaints have been filed against the client and possible consequences of the same.
- 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:
- Strong pedigree/academic background (Preferably CA or MBA from Tier 1 Institute)
- Extremely self-driven & smart-working with the ability to lead teams.
- Excellent communication skills and man-to-man sales skills
- 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
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